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Renters Insurance Questions

Renter's insurance is a type of insurance that protects a renter's personal property from loss or damage in a rental unit. While a landlord is required to have property insurance, many times only the structure is covered in the policy. This means that everything the renter has in a rental home is unprotected without renter's insurance. Renter insurance can be purchased for a relatively low price and will cover most of your personal property as well as provide liability coverage in the event a guest is injured in the rental home. The cost of renter's insurance can range from $150-$300 per year but will generally cover $35,000 for property loss and up to $100,000 in liability coverage. Take a look at the renter insurance questions below that have been answered by Experts.

What can I expect to receive from rental insurance if I do not have an appraisal on my wedding ring ($2500.00) and coins ($550) that were stolen?

Before you speak with the insurance company, make sure you have listed everything that was taken from your home. You don't want to list additional items later on; this may prove to be unfavorable by the insurance company. If you made a police report of the theft, you can tell the insurance company of the report and explain the chain of events leading up to the police report.

You need to read your renters insurance policy to determine how your insurance company will reimburse you for your stolen items. Usually, a policy will state that the full replacement value will be paid. This ensures the person can replace the items in question. The replacement value is generally determined by an adjuster who has researched items equal to your stolen ones. The going rate for the items is generally what you can expect to be reimbursed. The replacement value is set to ensure that you can replace your stolen item, not the actual price that you gave for the item.

While the insurance company uses full placement value, they also use depreciated value. The way they determine the depreciated value is, for example; your TV has been stolen. The insurance company will give you the purchase price of the TV for the year it was bought minus a set amount for every year you owned it. If you don't have the sales receipt, you can use anything that will prove that you actually owned the item. If you can't prove ownership, the insurance company may decide not to replace the item. Of course this will all depend on the situation, the item, and the adjuster.

Usually, you will receive an insurance settlement within 30-60 days of filing the claim. However if the claim hasn't been settled or the insurance company isn't reimbursing you with a reasonable amount, you can contact the California division of insurance and file a complaint. You could also take the insurance company to small claims court.

I have been told by my apt management that in order to sign a new lease I must carry a renter's insurance policy. Is this a common practice today? I live in Utah.

While there are no laws that enforce this behavior of landlords requiring the renter's insurance, many are choosing to make it a part of lease agreements. Every year landlords are forced to pay for tenant losses or damages due to fire, water damage or theft. Requiring a tenant to take a renter's insurance policy benefits both renter and landlord from monetary losses. Renter insurance policies are rather inexpensive and will cover electronics, clothing, jewelry, and furniture. So while you may have to get a renter's policy, you will have the peace of mind knowing that if you need coverage, it will be there for you.

I do not have renters insurance and my ceiling is falling in from being wet. What are my renter rights?

If your ceiling is falling in, that would be an issue that should be taken care of by your landlord. Renter's insurance covers loss and damage to your personal belongings inside a rental unit. You need to call your landlord and tell him/her that until the repairs are fixed, you will not pay rent since your apartment is unlivable. You should also send a certified letter stating the same. Make sure you have return upon receipt from your postal service to show the landlord received the letter.

I have a renters insurance claim for stolen property and I feel I am being treated unfairly. I have provided all the proof I have available of ownership of the stolen property. What can I do?

If your insurance company is refusing the claim without a good reason you may want to contact an attorney and discuss your options. If you provided the insurance company with all the information they required and they still refused the claim, you may have cause for a suit against the insurance provider. By refusing your claim without a valid reason, they are violating your rights under the contract agreed upon. The insurance comp-any may be liable for breach of contract. If you cannot find an attorney, contact your state bar. You will be given attorney referrals through this office.

Ask a Lawyer

Tina
Tina, Lawyer
Category: General
Satisfied Customers: 8603
Experience:  JD, BBA Over 25 years legal and business experience.
4460311
Type Your Legal Question Here...
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5 Lawyers are Online Now

How JustAnswer Works:

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    Rate the answer you receive.

Lawyers are online & ready to help you now

Tina
Lawyer
Satisfied Customers: 8436
JD, BBA Over 25 years legal and business experience.
Ely
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Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
FiveStarLaw
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Satisfied Customers: 8189
25 years of experience helping people like you.

Recent Renters Insurance Questions

  • Hello, Veronica Pham here. I am trying to reapply for a Sales

    Hello,
    Veronica Pham here. I am trying to reapply for a Sales RE License. Back in 2002 I was out of work, holding a condo mortgage and sending out resumes and going to job fairs and still could not land a six figure income job. Meanwhile I had bills, auto and mortgage to pay every month. It became a financial hardship and desperation to make money. On April 2002, after coming from a job fair in San Meteo, I stopped into the Palo Alto Shopping center and was looking to buy pantyhose stockings to were with my tailor suites since the ones I had kept tearing and run lines getting bigger down the pantyhose. I found some bras and pantyhose that I liked at the Palo Alto Neiman Marcus that I like to buy. I went to pay for them at the cash register. I was frustrated and upset when they rejected my Visa card payment and said they only take American Express or the NM credit card.
    With the already months of job rejections and bills piling up, this Pantyhose and bra purchase Snapped me. I walked away and was Rejected from this purchase as well as job rejections and Bills to pay.
    I am wrong to have put the unpaid pantyhose and bras in my bag and left the store without paying for them. I did want to pay for them with my Visa card and the extra Rejection of the Visa card only added to my Job rejections, mortgage to pay and bills piling up. I am wrong for that.
    The shoplifting came to a grand total of $1,800 since they were a high end department store, the items added up Big. In 2002, I did 3 months community service, returned all merchandise back to the store, paid all my restitution and got an early Expungement in 2002.
    In 2006 I passed the Sales RE License exam but went to Hearing in 2008 with DRE Judge in Sacramento. Judge Green did not let me have the Sales RE License. He said the crime was still too recent between 2002 to 2008.
    I am now married and have a 2 1/2 yr son since 2011 and we live in West Sacramento next to the Railey Baseball field. My husband works in SF and we plan to live in San Rafael this coming June 2015. I would like to go back to work as a Vacation Time Share Sales Rep for Shell Vacations near Pier 39. They need a sales RE license to work there which is why I would like to re apply for the CA Sales RE License.
    Only one week form 2015, it has been 13 years ago that I have this conviction Expunged and would like to know if DRE will accept me if I pass the Exam and try to re apply for the RE Sales License to work for Shell Vacations near Pier 39. ?
  • How is it that one would get to speak to a cheif judge? Also

    How is it that one would get to speak to a cheif judge? Also if I get to do that what can he or she do.
  • I am trying to help my 46 year old niece get on some form of

    I am trying to help my 46 year old niece get on some form of disability income as she has mental and physical issues that prevent her from working. We filed for social security disability and they said she had only 8 work credits and she needed 20. We live in Indiana, and my question is there some way to get around this or is there some other type of assistance she could apply for the would give her some income. i have been helping her for some time, but I retired and am no longer able to help her like I used to. Thank You
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