Renter & Condo Insurance FAQs

What isn’t covered under renter insurance?

A standard renters policy doesn’t cover you for earthquakes. You’ll need special coverage for this. Water damage from flooding, drainage backing up or ground water seeping into your basement is not covered. Animals, birds and fish are not covered. Motorized [...]

What does renter insurance cover?

Personal property-This coverage is for personal property owned by or used by you and anyone living with you (an insured) while that property is anywhere in the world. Property located away from your home is generally limited to coverage of [...]

Why do I need renter insurance?

Ask yourself this: If all your clothes, the appliances you own, your TV, stereo, jewelry, computer and that collection of Batman Detective comics were destroyed in a fire, could you afford to replace them immediately? If you said no, you [...]

What isn’t covered under standard condo insurance?

A standard condominium policy doesn’t cover you for earthquakes. You’ll need special coverage for this. Water damage from flooding, drainage backing up, or ground water seeping into your basement is not covered. Animals, birds or fish are not covered. Motorized [...]

Why do I need condo insurance?

If you’re not certain you need condominium insurance, ask yourself the following questions: How would you restore your possessions if you lost everything today? Could you finance the restoration of your possessions and the building not covered in the Condo [...]

How much renter insurance coverage do I need and what are the limits?

When determining how much coverage you need, again renters insurance is pretty simple. Make an inventory of all your belongings, which you’ll need anyway if you ever need to make a claim. If you have collectibles or antiques, you’ll also [...]