That depends on your insurance provider. Easiest way is to ask them.
No. That's what renters insurance is for.
You should check with your insurance agent. Different companies/policies may have different stipulations.
Yes it would but if it were due to the landlords negligence his liability insurance would cover the loss. Your insurance co will chase the claim against his for you. Pla…ce a claim with them.
it will tell in the policy
It matters on your policy but if it does your insurance will go up.
It depends on what type of protection or coverage you buy but in short a tenants policy will provide a lot of the same type of protection as a homeowners policy without …the coverage for the structures. You would not have flood or earthquake protection either unless you buy it.
Does homeowners insurance cover renters belongings when their house was broken into and items were stolen?
If you are the owner of the house, and are renting to tenants (making you the landlord), then you only have insurance on the house (dwelling coverage - not homeowners coverage…) and not the personal contents of the renters. In this case, no, your insurance will not cover their loss. It is the responsibility of the renters to purchase insurance coverage on their personal belongings. . If you are the renter (tenant), then you have to buy contents coverage on your personal belongings, such as furniture, clothing, etc. The landlord is not responsible for your belongings, whether the loss is from robbery, fire, etc. . In order to purchase homeowners insurance you have to own the home (but it can still be mortgaged) and you have to live in the home. Otherwise, you have to have a dwelling policy on the house if you want it insured, whether it's vacant or rented. If, however, there is still a mortgage on the house, the bank (or mortgage holder) will require you to have insurance on it. . If the house is paid for, then it is at your discretion whether to have it insured or not, for the value of the house. But if you rent it out, your state may require that you carry liability insurance on it.
I cannot see any way that a covered cause would require you to get a locksmith. If the damage was not caused by a covered cause then no it will not pay for a locksmith.
No. It's not your window. You are a tenant and there fore you do not own the home just the contents. You cannot insure something that you don't own. The landlord will have to …fix the broken window unless you broke it and in that case you will have to fix it yourself.
Yes, it wasn't your fault.
Typically, renters insurance covers the contents of the rental unit when in the rental unit. Whether it covers it during the course of a move depends on the terms of the insur…ance policy. However, it is common that a moving company will offer property insurance to the customer for an additional fee (the equivalent of a premium).
Highly unlikely, Most would cancel your insurance policy at themere mention of a trampoline.
It depends on the level of coverages you chose when you shoppedyour renters insurance rate. If you chose the cheapest rateavailable then you may have no coverage at all availa…ble throughyour renters policy. If you elected coverage for off premise property, then certainhousehold contents that may have been stolen from your vehicle canbe covered. But the auto itself no, That would be covered by the comprehensiveportion of your auto insurance policy
No, Renters insurance excludes liability for the failure of orlosses resulting from a failed utility conveyance.
Renters insurance primarily consists of property coverage andliability coverage for the named insured. Coverage is available for the renters personal belongings in thehome ( …usually clothing, appliances and home furnishings).Scheduled valuables can also be added to the policy. Coverage canbe for both theft and extended coverage such as weather related andstructural induced losses. Coverage is also available for the tenants liability in the eventthey or a guest damage the property to some degree beyond what isconsidered normal and expected wear and tear during the course ofthe lease. Liability coverage is available to protect both the tenant and thelandlord from certain types of injury claims such as slip and fallwhile on the rented premises.