renters insurance

[topher5150]

My fiancee's mom moved out of state and my fiancee is living in her mom's house. Is it necessary to get renters insurance if your renting from a family member?

 

[JoshMcMadMac]

If you are renting, you want renter's insurance. Period.

 

[topher5150]

well that settles that. I am defiantly signing up when I move in

 

[taylor414ce2003]

I would contact the ins. agent and ask what is covered under the moms policy!

 

[k9t8m]

mine is super cheap. $100\yr for $20000 in coverage.

 

[dollman0]

mom's policy may cover some of your stuff because it is family, but insurance companies will exclude anything they can. My policy is around $100 a year like someone else stated. You can call your insurance company and add it to your existing policy at any time.

There is a different policy if you rent the house than homeowners, you should also find out if mom has the correct policy on the property if she is renting it out.

 

[Rich88LSC]

mom's policy may cover some of your stuff because it is family, but insurance companies will exclude anything they can. My policy is around $100 a year like someone else stated. You can call your insurance company and add it to your existing policy at any time.

There is a different policy if you rent the house than homeowners, you should also find out if mom has the correct policy on the property if she is renting it out.

+1 on all accounts. I used to sell insurance. And always had renters. Mine is a little more then $100 but I have too many guitars all listed.

FYI certain things i.e. instruments, guns, computers may require additional coverage(may differ state to state). Not really expensive but your SOL if not added.

Also most renters policies include liability, as in if someone trips and breaks their leg and sues you have coverage.

 

[topher5150]

+1 on all accounts. I used to sell insurance. And always had renters. Mine is a little more then $100 but I have too many guitars all listed.

FYI certain things i.e. instruments, guns, computers may require additional coverage(may differ state to state). Not really expensive but your SOL if not added.

Also most renters policies include liability, as in if someone trips and breaks their leg and sues you have coverage.

that's what I'm concerned about guns, my guitars, amp etc... record collection