The way it’s often phrased: Your landlord’s insurance covers the building, your renter’s insurance covers everything inside of it.
It’s a tidy way of explaining insurance responsibility in a tenant/landlord situation, but it can be a little misleading. Namely, because your property doesn’t have to be inside of your apartment to be covered.
Most renters insurance policies in Napa, CA are going to include some degree of off-premises insurance. This usually covers your property at up to around 50% the limits of your on-premises insurance, meaning that if something is stolen from your car or workplace, you’re probably going to be covered.
It’s important to update your inventory regularly, of course. If something is stolen from your car and you have no record of ever having owned it, your insurer has a good reason to deny the claim. But renters insurance, like home insurance, does cover your possessions even when they’re not within your dwelling.
Certain exceptions may be made, for instance, business equipment isn’t always covered, and you may need to go through your commercial insurance provider for that, or talk to your employer about filing a claim. And of course, you need to practice common sense. You don’t want to leave a brand new HDTV sitting in the back of the pick-up truck overnight. But by and large, if it’s covered inside the home, then it’s covered outside the home.
If you’re looking to get covered in Napa, CA, get in touch with us at Wine Valley Insurance Services. At Wine Valley Insurance Services we can compare several quotes from different providers in order to get you a good deal on a great insurance policy.
