Get it covered?
I have friends over often, do I get a new policy?
Living in a high traffic area, or having lots of guest over, you're probably going to want to change your liability limits.
A fire burns your couch. Is it covered?
Yes
My apartment floods from a hurricane
No. Have to purchase separate flood policy.
This type of renters insurance helps protect your personal belongings from theft, fire, or other covered events.
Personal Property Coverage
Fire damage to the apartment
No
My friend burns her arm cooking in my kitchen. Does my insurance cover it?
Liability Insurance within your renter's insurance policy covers it.
This type of coverage in renters insurance can pay for medical expenses if someone is injured in your rental unit.
Medical Payments Coverage
Your bike parked at the bike stand gets stolen
Yes
Your roomates TV gets stolen from your apartment. Is it covered?
No, this item would have to specifically added to your policy for it to be covered.
what type of renters insurance can help cover living expenses if you're temporarily unable to live in your rental due to a covered event.
Loss of use coverage
Your laptop stolen at a coffee shop
Yes
personal property coverage would buy you a new one up to your policy limit.
No a music system is considered a high-end item and will not be covered in a renters insurance policy
Requires an endorsement to be covered
Endorsement: Adding or deleting to your current policy
I threw a knife at someone at their house and they sue. Is this covered by renters insurance?
This part of renters insurance protects **you** financially if someone is injured or their property is damaged due to your actions or negligence.