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What is personal liability regarding renters insurance?

Updated: 8/19/2019
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Q: What is personal liability regarding renters insurance?
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What does the phrase renters insurance mean?

Renters insurance is insurance purchased by renters to protect their personal property in situations of fire, theft, water damage, or any other unforseen circumstance not covered by the landlord's policy. Renters insurance also helps protect renters against personal liability if someone is hurt, whether in the home or away from it, and damage to the rental unit caused by a covered loss.


If a skylight was damaged in a fire in a rental house is that the responsibility of the renter or owner?

Most Renters Insurance has a Liability component as well as personal property coverage. So if the fire was the renters fault the landlord could sue the renter then the liability insurance would pay.


Is renters insurance included in your rent?

Chances are: no. Renters insurance covers your personal property and liability and not your landlords. As such they would have little reason to provide insurance on your behalf. Luckily, renters insurance is usually very easy to obtain and even more affordable. A quick google search for renters insurance will direct you to plenty of sites that can assist you with obtaining a policy.


Where can one find information on renters liability insurance?

There are many place to get Renters Liability Insurance,some of which are State Farm,Geico,Shelters insurance, and there are many more to check out what they offer.


Can your homeowners insurance be cancelled because a tenant allowed a guest dog over who bit him?

That is a liability issue and generally policies are not cancelled for liability. You of course required your tenants to get renters insurance so their own personal liability insurance would pay.


What coverage options are offered by Renters Insurance Select?

Renters Insurance Select offers coverage for your home and your possessions. It also covers personal liability. For more information, you can check their website at https://www.rentersinsuranceselect.com/ris/faq.aspx.


Does the owners liability insurance cover contents of a a fire when the renters lost everything?

Is homeowner liability for a fire?No, This is why it is recommended that tenants obtain a renters insurance policy to cover their belongings and personal liability. The owners insurance is for the owners own property and legal liabilities, so unless the owner is somehow responsible for starting the fire, the owner would not be liable for the tenants property.


What types of liability insurance are available?

It depends on whether you are talking about a liability insurance for cars. There are various insurance available to car owners and renters. There is also business liability insurance (doctor, lawyer, accountant, etc.).


Do I need renter's insurance in Massachusetts?

Renters insurance is needed in every state. Without it, any damage or theft of your personal possessions is your responsibility. Renters insurance covers your personal property.


What is renters insurance?

Renter's insurance is for those people that don't own the place they are living. It is good for apartment owners and home renters. It covers your personal property in the building. It is relatively inexpensive and if you have high value items such as high end stereos or lots of electronics, it can be well worth it in case of fire or theft.


How can you get liability insurance on your mobile home to cover renters of it It is in a mobile home park in Florida?

Consult LOCAL insurance companies.


Where to get info on affordable renters insurance?

Renters insurance is a necessity for anyone renting or subletting a home or apartment. Whether you live in a single family home, duplex, town home, condo, loft, studio or apartment, you need to have renters insurance to protect your belongings and your liability.