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Does My Roommate Need Renter’s Insurance?

Renter’s insurance protects your belongings and living space! From the kitchen to the living room to your favorite sweater, most roommates share everything. Roommates are often the siblings you never asked for (or got), but there’s a mutual likeness when sharing a living space with another human being day in and day out. Whether you watch reruns of The Voice together every night, or stay in your room to avoid awkward small chat, many roommates think that if one of you has renter’s insurance, the coverage extends to the entire apartment and all of the contents. This is a costly misconception. Renter’s insurance protects the property of the people listed on the policy. Unless your roommate is listed as an additional insured on your insurance policy (or is a domestic partner, spouse, or a member of your family), their things will not be covered. Here’s the lowdown on renter’s insurance for roommates: A roommate does ... Read more

Kids Off To College? Check Their Coverage!

Get your college student the proper insurance coverage in Oakley, California. While aiding your college kid out of the family home and into the college dorm, be sure that they are protected with insurance. Before they head off, check your current insurance policies to make sure that your child has adequate protection while away from home. Homeowners/renters insurance If your student is living in the college dormitory, their possessions may be covered by your homeowners policy for named perils such as fire, theft, vandalism, and natural disasters, although the limits may vary. Your current homeowners policy will not cover your student if they are living in an apartment, and renters insurance will need to be acquired. All students take expensive electrical equipment with them, such as laptops, TVs, smartphones, and laptops. The cost of these items add up extremely quickly so adequate coverage is attained so that there is no financial hardship ... Read more

How Renter’s Insurance Can Save You Thousands

Renter's Insurance and Thefts If you have ever had anything stolen you know what a hassle it can be. The issues can be even worse if your house or apartment was broken into and you are missing many different items. Along with figuring out exactly what was stolen, you also have to figure out how the thief got into your house. Luckily, investing in the right renter’s insurance policy can help to ensure that you are not left paying for the stolen items out of your own pocket. While your landlord will have an insurance policy for your home, it will only provide coverage for the structure of the home, not for your belongings that you keep in your house. The only way to protect your personal belongings is to invest in a separate renter’s insurance policy. A renter’s insurance policy will provide liability coverage if anyone is injured while visiting ... Read more