What should my renter’s insurance policy cover?

Renting can be the ideal situation for a number of reasons. Adults who are anticipating job changes, relocations or who simply do not want the responsibility of owning property often find that renting is simply best for their situations. Most people feel pretty confident in their housing choices with the added protection of renter’s insurance coverage. This is one of the reasons why it is so frustrating for an insurance company to deny a legitimate claim.

Washington property owners are responsible for buildings and other structures, so renter’s insurance does not cover any damages to these. Instead, the typical renter’s insurance policy covers the policy holder’s personal property. If personal items are damaged, destroyed or stolen, insurance should cover the cost of repairs of replacement. Some policies also cover injuries that occur on the property.

Although there is no legal mandate for renters to purchase this kind of coverage, some landlords require it. The terms of a lease should specify whether a tenant is required to purchase renter’s insurance and whether it should just cover personal items or more. For example, a landlord might require a tenant to agree to purchase a policy that also covers damages caused by the tenant and injuries. A landlord may even be able to change the terms of the lease and require a tenant to purchase coverage at a later date.

A renter who expects his or living situation to be easier than owning will probably be very frustrated if a claim is denied. Insurance law is exceptionally complicated, and it is not uncommon for a company to decide that a claim is not covered by renter’s insurance even when it clearly is. A “no” from the insurance company does not have to be the final answer. Appealing these types of decisions is very important when renters in Washington know that their claims are legitimate.

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