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Renter’s Insurance

Renters’ insurance is similar to insurance policies that are taken out on a home or an automobile. First, a person chooses the amount they would like to be covered on the policy for and then selects a deductible. Thereafter, they start paying monthly premiums towards the policy. In the event that something happens to a person’s personal items due to theft, fire or water damage, they can file a claim with the insurance company. They would then receive a payment from the company to replace items that were lost after they pay the monthly deductible. Listed below are a few questions answered by the Experts on renter’s insurance.

If someone had access to your home and stole belongings from it, can Renter’s Insurance cover the theft?

In most cases, this may not be covered by Renter’s insurance. Even if there was a theft clause in the policy, it may be treated as “conversion” which is categorized as a type of civil theft. Conversion is using someone else’s things without being authorized to do so. To fight this, the person can file a lawsuit in court to get the property back via a Writ of Replevin. But, in all probability, the insurance policy may not be able to convert this despite having a theft clause in place.

If a person files a Renter’s Insurance claim and feels as though the insurance company has violated the person’s rights, what can they do about this?

The person would have to obtain legal assistance and file a lawsuit against the insurance company. If the person wins the court case, they could be granted penalties and the insurance company will have to pay for the attorney as well. If the insurance company doesn’t have a legitimate reason for denying a person’s claim despite the person offering all evidence requested for, they could have violated the rights of the contract and can be charged with Breach of Contract.

If an individual had an overlap with Renters Insurance policy when the person was changing companies and the person house burns down; can the person file a claim with both companies?

Typically, a person may not be able to file with both companies as they are allowed by law to only file one insurance claim per incident. In this situation, it is better to file with the insurance company that will offer a better payout.

If a person is a renter with Renters Insurance and has water damage to an area of the house and the landlord suggests tenant to fix it. Can insurance company make the check out to renter for the repairs land lord doesn’t want involved in.

? The renter can inform the insurance company that the check covering all the repairs needs to be made out to them. If the insurance company wants to include the landlord as well, the landlord can write a letter waiving the rights to the proceeds and the renter can submit it to the company on the landlord’s behalf.

There are certain people that don’t own houses but still would love to have insurance just in case of an emergency. There is Renters Insurance for people that may not own a home but, still pay monthly rent in order to have a place to stay. What is Renters Insurance? What is the Renters Insurance rate? Experts are here to answer questions that people may have about Renters Insurance.
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Recent Renters Questions

  • Renters Question, Tenant Rules, Neighbors

    I live in a small, cozy, older apartment complex of 10 people. The buildings are each separate, looks like they could have been small, bungalow type cottages used for military housing, and each one is about 600 sq. ft. They've been divided down the center of each of the buildings to house 2 people, so we share an adjoining wall, and we can usually hear what the neighbor is doing, so it's imperative to be nice and quiet in order to get along.

    I moved in about 3 years ago, and soon to follow was my neighbor whom I share a wall with. She had lived in these apts at an earlier time but wanted to move back in, so the landlord knew her well. She is sweet on the surface but cantankerous when things don't go her way. She's also on disability, so she's home all day everyday and tends to ruminate about injustices done to her and can dream up and be very spiteful to those she doesn't like.

    Before she ever moved in, the landlord told her that I smoked and would she be able to live with that if the smoke travelled at all and she answered, "Yes." She and I were friends the first 2 years, helping each other, sharing, laughing at times and all was good....until....I said some things that she took offense to, such as: getting a job, when I said that this helped me with my depression, etc, or her cat, when I'd ask why she doesn't let her cat outdoors anymore; pretty soon, it seemed like I couldn't say anything right anymore without her taking offense at me. She would harbor feelings of resentment and stop talking to me. It was on and off like this for about 6 months.

    It's when our landlord put the apt complex up for sale, and in April 2014 the new landlords took over the property. One of their new rules was no smoking in the apt. None of the other smokers stopped smoking in their apt, so I continued to smoke too, oblivious to the deep seeded anger that my neighbor had seething against me. She was on-again, off-again with our friendship, apparently depending on what I said....and then the harassment started where she would call and angrily tell me to stop picking on her and her cat, or telling me to stop being a know-it-all (?) or to leave her alone and not talk to her. Apparently she could no longer talk to me without feeling condemnation and how I would ruin hours of her day because she got so angry at what I had said (none of which was ever intentional on my part and I'm not a rude or difficult person. To be friends with her, you have to accept her as she is, because well, Denice is Denice and she's up one day and smiling and down the next, grumpy and judgemental).

    Then the complaints about my smoking and her yelling, why don't you air out your apt, your smoke is choking me to death. (I've always aired out my apt, many times a day, and she's not complained in the past 2 1/2 yrs). Then she started calling and bugging the new landlord reporting my smoking and I'm sure her anger exaggerated her dramatic story. She is NOT next door coughing, gagging, or choking. I rarely even hear her cough. One time she said she was going to make this a legal issue, the landlord said it could be a civil suit (?) But I told him about her agreement to moving in next to a smoker and he said, "oh, I didn't know that."

    Other smokers here do not have their neighbor complaining and in fact the neighbor will say they don't smell anything. My neighbor didn't complain until her hate grew for me so much that she couldn't stand me living next to her....just an inner rage against me and decided (I think) that she now has a target, a weak link to get me out of her way.....to rage on about my smoking.  Because she has selective hearing and memory, she probably has selective smelling too, and because she hears me wake up in the morning or come home from work in the evening and knows that I might be smoking a cigarette, she starts raging.  \

    Because a place this cozy and in this price range is almost non-existent and she couldn't find a place for herself somewhere else (she talked about moving out for quite some time), I think she decided that she would try to get me kicked out instead. Yesterday, she slammed her door all day long...she'd go out the door and slam, come back in and slam....all day.  Most likely, she wouldn’t be doing that if I weren’t here!

    She intensely hates me from her core, and spews it out whenever she can. Can she do anything legally against me? What is a civil suit or action? If it's a civil case, wouldn't she have to pay for this? Or is there another legal action she can take that requires no money (because she barley makes it by on her disability check)? I would assume the landlord would just ask me to leave rather than spending any money on a lawyer, but can he legally do that when I'm breaking one rule, but doing everything else as a responsible, pay-on-time, and generally nice, honest and attempt to be friendly renter? Your thoughts and expertise in this matter would be quite helpful for my understanding and to know what's possible and what's not. Thank you, Susan

  • I live in Texas and have rental property in RI. The renters

    I live in Texas and have rental property in RI. The renters abandoned the property, are $10,000.00 behind in rent, damages and abuse of $3000.00. How long can I wait before I file in small claims court? Texas or RI?
  • My daughters home caught fire (external damage only) last

    My daughter's home caught fire (external damage only) last week, she rents. They couldn't determine if started by electrical or cigarette. The property manager is demanding they pay the $10,000 to repair even though fire reports are specific it was an accident. Is it the renters responsibility? Why wouldn't it be put through the owner's insurance? Washington State
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