Are tenant (renters) covered lower than home owners fire insurance?

Answers: I'm not sure if this rule varies from state to state but I am sure it does. I know that here in Ohio if you rent a house surrounded by order to be covered for your belongings in a house fire you enjoy to possess renters insurance. Even when you rent an apartment here nothing is covered unless you have your own private renters insurance policy. I would confer to the person you rent from and see if they could settle that question for you.
Good question, I'm not an insurance adjuster, so this is given as AS-IS advice.

I believe the answer to this is it depends. If you are renting an apartment from a tenant you must provide your own home-owners insurance to cover your belongings. It's often called renters insurance.

What I'm not sure of is the situation where on earth you are renting a room from a homeowner who also lives there. If that's the case your belongings may be covered lower than there insurance.

It really boils down to this, if you are worried about it confer to an insurance agent, I'm sure you can also get insurance to make sure your stuff is covered.

If you've already have a fire and are trying to get your stuff replaced under a home owners policy that's not within your name, good luck. I'd ask for a copy of the contract and read it from start to finish. If you believe it should cover your stuff read backbone the paragraph/sections that says they covered the stuff.

contrary to the rhetoric spread in the tv ad about them being at hand to help you, the insurance company is not your friend, they are in business to trademark a profit for there shareholders, to do this some are very shady and will combat tooth and nail to not payout until you throw there own policy posterior at them proving they owe you. Source(s): The following is my opinion, as such take it as AS-IS suggestion.
~~Any time you rent you need to purchase renters insurance. Then you enjoy coverage for all your belongings. It is very acceptably priced.~~
Home owners should cover the building....the walls, the roof. Everything that burns up contained by your home, though, should be covered under a renter's policy that you buy. Geico and such have them for something like $15 a month...best investment any renter can make. Source(s): I rented and had insurance
Not usually, you would normally have to give somebody a lift out your own contents insurance.
In Australia, I don't come up with so. I used to rent and I had to insure my stuff myself, just contained by case the place burned to the ground.
only if they purchase it and NOT the owner.
If you are referring to the the renters belongings the answer is No never under any circumstance.
No. Tenants enjoy to buy tenant homeowners insurance, to cover their stuff. The landlord isn't responsible.
No, tenants are urged to get their own "renters insurance" that would cover incase of a fire. it would cover adjectives their belongings that were lost in the fire..
No, you stipulation to have your own renters insurance, you can get it from any insurance company such as State Farm, Geico, etc. It's certainly very inexpensive as well.
the laws will ebb and flow depending where you live. call your property boss they will be able to give you info on the law in your state, and will know the deal on your selective property.
homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.
Yes, should be, but check the policy. It won't cover the structure of course b/c you don't own it. But your stuff would be covered.
No you MUST get your own rentaers insurance policy on the house you are renting Source(s): enjoy renters insurance :]

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