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insure.com - home insurance - The basics of renters insurance
The basics of renters insurance
By insure.com
You're moving into a new apartment and you have a lot to do: setting up telephone and cable service, letting people know your new address, deciding how to arrange your living room - the last thing you're thinking about is insurance.
One thing you want to look at is whether the insurance company will be writing "actual cash value."
If you live in a condominium or rent an apartment, your landlord's or condo association's insurance should cover damages to the building - meaning the structure itself. But such a policy only covers their building and not your belongings. That's why you should have renters insurance. Regardless of whether you live in a house, condo, or apartment, replacing your stuff or defending yourself against a liability lawsuit can take a big toll on your bank account.
It's a perilous business
Basic home insurance policies are generally known by their number. (For more, read Home insurance basics .) Both the HO-4 (for renters) and HO-6 (for condo owners) policies cover losses to your personal property from 17 types of perils:
fire or lightning
windstorm or hail
explosion
riot or civil commotion
aircraft
vehicles
smoke
vandalism or malicious mischief
theft
damage by glass or safety-glazing material that is part of a building
volcanic eruption
falling objects
weight of ice, snow, or sleet
water-related damage from home utilities
and electrical surge damage.
Sounds like quite a lot, doesn't it? You may notice, however, that floods and earthquakes aren't on the list. If you live in an area prone to those, you'll need to buy a separate policy or a rider on your renters policy. In some coastal regions, where hurricanes can cause mass destruction, you may also need to buy a separate rider to cover you from windstorm damage.
Make sure you let your agent know about any particularly valuable items you have.
Actual cash value vs. replacement cost
One thing to look at when you shop for renters insurance is whether the insurance company will be writing "actual cash value" (ACV) or "replacement cost coverage." As the name implies, ACV coverage will pay only for what your property was worth at the time it was damaged or stolen. So, if you bought a television five years ago for $300, it would be worth significantly less today. While you'd still need to shell out about $300 for a new one, your insurance company will pay only for what the old one was worth, minus your deductible.
Replacement cost coverage, on the other hand, will pay for what it actually costs to replace the items you lost. Usually, you'll have to pay out of your own pocket to replace your damaged items and submit the receipts to the claims adjuster for reimbursement.
In some regions, most insurers write ACV coverage. In others, they'll quote you replacement cost coverage by default. Replacement cost coverage will cost you more in premiums, but it will also pay out more if you ever need to file a claim.
Make sure you also let your agent know about any particularly valuable items you have. Jewelry, antiques, and electronics may be covered up to a certain amount, but if you have some items that are unusually expensive, like a diamond ring, you'll probably want to purchase a separate rider. If you don't talk to your agent about an expensive item when you buy the policy, you probably won't be able to recover the loss.
Footing the bill when your home is unlivable
If your apartment becomes unlivable due to a fire, burst pipes, or any other reason that is covered by your policy, renters insurance will cover your "additional living expenses." Generally, that means paying for you to live somewhere else, such as another apartment in a similar price range as your original place.
Liability protection is also standard with most renters policies.
This coverage has a limit of about 30 to 40 percent of the total value of the policy. So, if you're insured for $100,000, your "additional living expenses" limit will be $30,000 or $40,000, depending on your policy terms. Your insurance company will continue to pay while your home is being repaired or rebuilt, or until you permanently relocate. However, sometimes 12 months is the longest an insurance company will continue paying. Other times, you're limited to what the insurance company considers a "reasonable length of time."
Additional benefits
Renters insurance has additional benefits that might not immediately come to mind. For example, if you own a waterbed, a waterbed liability provision is standard in most renters policies. If your waterbed bursts and the water ends up in the apartment below yours, renters insurance will cover the damage.
Liability protection is also standard with most renters policies. This means that if someone in your apartment slips and falls, you're covered for any costs, up to your liability limit. And if this person should choose to sue you, you're covered for what they win in a court judgment, up to your policy's limit, along with legal expenses.
What's this going to cost me?
Just like any other insurance policy, your premium depends on a number of factors: where you live, your deductible, your insurance company, and whether you need any additional coverage or riders. However, if you don't need extra coverage for expensive jewelry or computers, and you shop around, you probably will pay somewhere between $150 and $300 per year, according to the Insurance Information Institute. That will get you about $30,000 to $35,000 worth of coverage for your personal possessions and somewhere between $100,000 and $300,000 worth of liability protection.
Keeping your premium low
Renters and condo policies usually cost less than homeowners policies. While some factors will be out of your control - where you live or what your building's made of - there are still ways to keep your premium low. Increasing your deductible (the amount you pay before your coverage kicks in) is one strategy. However, be sure that you'll be able to afford whatever deductible you choose.
If you're thinking about getting a dog, you may want to think twice. Some insurance companies are skittish about writing policies for owners of certain ferocious breeds: Rottweilers, pit bulls, and Doberman pinschers might make obtaining renters insurance hard, especially if they've bitten people in the past.
Other available discounts will depend on your insurance company - be sure to ask what discounts are available. Most insurers offer a discount for "protective devices," including smoke and fire detectors, burglar alarms, and fire extinguishers.
Some insurers may offer discounts to policyholders who are over age 55 and retired. Others may offer a discount if you buy both an auto and renters policy (called a multiline discount).
Last updated Feb. 21, 2001
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American Renters Association
On-Line Renters Insurance Guide
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Protect your assets with renters insurance
This may come as a surprise to you, but did you know your landlord's insurance does not cover your personal property? Your clothes, jewelry, stereos, televisions, bicycles, computers, furniture, artwork and other valuable possessions are not protected against loss or destruction.
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* Additional plans,
including higher limits and coverages are available.
Call 1-800-4-RENTER for information.
Fact is, apartment renters need special insurance for their belongings. That's why the American Renters Association carefully reviews the nation's top insurance providers for affordability, dependability and customer service.
Renters insurance protects your personal property at home and away from home against the following hazards: fire, smoke or lightning, burglary or vandalism, riot or civil commotion, explosion or electrical surge damage, windstorm or hail, falling objects, and other hazards detailed in policy.
Can you afford to lose your most valuable possessions?
Your personal property will be protected with replacement cost coverage. This additional protection assures that if a loss occurs, you will receive reimbursement for the full cost to repair or replace your property at today's market cost, up to the policy limit. If you move, the policy can be transferred to your new address. * Subject to your policy's terms and conditions
.
You receive financial protection against claims or suits brought
for accidental bodily injury for property of others for which you
are legally liable.
Call 1-800-4-RENTER
American Renters
Association
P.O. Box 503490
Indianapolis, IN 46250-8490
As with all
insurance coverages, there are certain exclusions to the types of
property covered, exclusions for certain types of losses, limits to
the maximum benefits for certain losses, and conditions for recovery
of a loss, as set forth in the policy that will be provided to you.
The American Red Cross helps hundreds of thousands of disaster victims every year providing food, clothing, shelter and other emergency needs. These disasters range from apartment fires to major disasters such as hurricanes and tornadoes. Many people do not understand what renters insurance can do for them. Renters Insurance can assist in financial and emotional recovery from disasters. It replaces more than any community organization can provide. If you rent an apartment , renters insurance will reduce the financial hardship of a fire, burglary or other disaster. Can you afford to lose everything you own? (ARC 5049, 12-94)
If you do not receive your policy in ten days,
call 1-800-4-RENTER to verify ARA has received your payment. This form is not a contract
nor does it bind any insurance coverages. Call ARA Insurance Services, Inc. for policy
information. Your cancelled check serves as your receipt.
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