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Labgirl5000 | Would home owner's insurance cover the renter if there was a fire? |
The fire in this case is a wildfire, not renter caused. How can I find info. on this.
Thank you.
Additional Details
Good answers. But let me clarify: Would this help cover any of our belongings? Like a t.v., furniture, valuables? |
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Phil
 |
If you are renting from someone, their homeowner's insurance does not cover your personal property. For coverage to apply, they would need to have an insurable interest (meaning that the loss of the property will cost them financially). Since they don't have an insurable interest in your property, their insurance doesn't cover it.
Renter's insurance is reasonably priced. Especially if you combine it with an auto policy. |
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regerugged
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Renters can buy their own insurance on their personal property. The building owner has to buy his own insurance in his building.
The renters' policy would include fire legal liability coverage. But the renter would not be responsible for a wild fire. |
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Rob M
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owners insurance is not required to cover the renter. EVER |
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mbrcatz
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No, the homeowners insurance doesn't cover any of the renter's property.
The renter has to cover his property with a renter's policy, and the homeowner, IF he occupies the home, covers HIS property, including the house, with the homeowners policy. If the homeowner doesn't live there, he needs a "dwelling" policy which can cover the building and contents of the OWNER. |
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greffy
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Yes.
Renter's insurance is a form of regular "Homeowner's" insurance. Most policies are "all risk" meaning they will cover your contents (anything you own inside the apartment that YOU own) up to a spcified policy limit. So, if you have $25,000 coverage, you will be covered for almost any sudden event (fire, water damage (not flood), hurricane, tornados, etc. (storms), and even theft, though theft is something you want to be sure to ask your agent about.
Some possessions (musical instruments, guns, etc) have limits inside the policy, but you can get them covered for a higher amount if you get an appraisal that is accepted by the company.
The short answer is YES (unless you started the fire and were found guilty of arson).
My blog: http://greff.wordpress.com |
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adamfullman
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If you are asking whether the insurance purchased by your landlord will cover you, the answer is "maybe". Typically, insurers cover the property of the named insured (usually the person buying the insurance policy). However, sometimes other persons qualify as "insureds". You need to read the definition of "insured" in the policy to see if you fall within that definition. In the end , you should probably talk to a lawyer in your local area. I am an insurance lawyer, so this is the sort of question I am used to answering. Adam Fullman - Fullman O'Grady, Attorneys |
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