Renter's Insurance Lawyers

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What is Renter's Insurance?

Renter's insurance includes different forms of insurance that are collectively intended to protect tenants from various risks.  Insurance companies will differ on the types of coverage offered, as well as the exclusions and specified dollar amounts.  There are two basic types of renter's insurance: 

What is Excluded from Coverage?

Insurance companies will differ on what they exclude from coverage.  Some common exclusions include: 

Why is Renter's Insurance Important?

Renter's insurance is important because without it, a renter can face considerable financial risk.  It may be especially important for tenants with expensive belongings, for example.  Without owning the building you live in, you probably still have valuable belongings that would be costly to replace if damaged or stolen.  In addition, you want to be protected from liability if someone is injured on your property.

Does My Landlord's Insurance Cover My Losses or Liabilities?

Typically, a landlord's insurance policy does not cover a tenant's property or injuries which occur within rental units where the tenant is negligent.  A landlord's policy is more likely going to refer to the common areas of the building and its physical structure.

Does My Roommate's Insurance Cover My Losses or Liabilities?

No, a renter¿s policy held by one roommate will generally not cover the property of the other.

Should I Contact a Lawyer about Renter's Insurance?

Renter's insurance can protect you from large financial liabilities and losses.  An experienced landlord-tenant attorney can help you determine whether renter's insurance is right for you.

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Last Modified: 09-14-2012 11:32 AM PDT

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