Home Insurance Tenants

City of Huntington Beach, CA - Flood Information

Home Insurance Tenants

Posted by Breland Albertina on Friday, 15 November, 2019 06:06:36

Instead of homeowners insurance, you'll need landlords insurance, sometimes called rental home insurance, if you rent your house. A simple rental policy will cover you if your tenant causes a fire. More extensive policies cover specific perils, such as if your tenant's unhappy girlfriend vandalizes the place to get even with him.

Home insurance typically covers against damage to your home caused by fire, flood and other natural occurrences. It can also cover your personal belongings like furniture and electronics if they are damaged or stolen. What is covered by home insurance will vary by insurer, so you should always check the policy details.

Tenants' liability insurance provides those in rental property with cover to pay for accidental damage to a landlord's property and belongings. Here's the lowdown Your Account

Some insurance companies may allow a homeowners or renters policyholder a short-term rental—assuming they have notified the company. Other insurers will require an endorsement (or rider) to the existing insurance policy in order to provide insurance coverage.

Not all homeowners and renters insurance companies provide coverage for pit bulls. However, there are a few insurers which are particularly lenient toward pit bull owners. Click here to find the best homeowners and renters insurance companies for pit bulls.

Homeowners insurance may offer coverage if you're living in your single-family home and renting out a room to tenants, depending on the number of people renting or the length of their stay in your home. Coverage varies by insurer or policy, so check with your agent before you rent out a room in your place. If you plan to rent out your entire home to tenants, you'll need landlord insurance.