![]() ![]() This is not an unreasonable request, and it will take their agency about ten seconds to create the certificate and fax or email it to you. You should ask to see a certificate of their insurance, preferably one generated just for you. Keep in mind that just because it says they are on the side of the truck doesn’t necessarily mean much. The movers you hire should, of course, be insured. However, if the movers you hire cause damage to the building you shouldn’t look to your Fresno, CA Renters Insurance for that coverage in the first place. The reason is that you, an insured, didn’t cause the damage. ![]() You wouldn’t likely file a claim to have renters insurance cover move out damages caused by your moving company. Can Renters Insurance Cover Move Out Damages Caused By My Moving Company? This coverage is quite valuable and can save you tens of thousands of dollars in legal fees that would otherwise come out of your own pocket. In other words, when the injured person tries to sue you for the injuries your renters insurance can pay to defend you against that claim because the policy would pay for the loss if it were to be proven. ![]() That’s not just asking it to cover move out damages, it’s an entirely different scenario.ĭon’t forget that your liability offers defense coverage as well. That’s bodily injury caused by your negligence, and that’s exactly the sort of unfortunate incident that renters insurance liability is designed to cover. In addition, you’d likely have coverage if you were carrying heavy boxes without watching where you were going and either bumped into someone or dropped something and injured another person that way. This type of loss could be paid under your liability coverage if it was above the damage to property of others limit. However, one gust of wind is all it takes to make the glass door slam into the leg of your couch and shatter. Those doors are glass, and you believe that they are being held open securely. You and a friend are moving your heavy couch out through the front doors of your former apartment building. This probably won’t rise to the level of a liability claim, it’s more likely to be paid under the small coverage for damage to property of others. Yes! Renters insurance could cover move out damages to common areas if you bump your furniture into something and damage it. Renters Insurance To Cover Move Out Damages? Is It Possible? Yes, But The Type Of Loss Matters! Can Renters Insurance Cover Move Out Damages To Common Areas Caused By Me Moving Furniture? But if it’s just normal wear and tear, that’s not something liability is intended to pay for. If smoke, fire, water, or explosion causes the damage, your policy would cover it. In addition, your liability coverage is somewhat limited with regards to damage to rented premises. It’s intended to cover losses that are so catastrophic you couldn’t pay for them out-of-pocket. Renters insurance just isn’t designed to cover this nickel and dime stuff. In addition, these damages are often small – extra wear and tear on the carpet, minor nail holes in the wall, cleaning fees, that sort of thing. Renters insurance is designed to cover things that are sudden and accidental. These damages are due to continuous and repeated exposure to you, the cause of the loss. You can be charged for any damage you’ve done to the apartment by living in it – even damage you’ve completely forgotten about! These damages are often the result of your negligence, but… You won’t have much luck making renters insurance cover move out damages of this kind! Move out damages that you’re charged for can cost you the security deposit and more. If you have Fresno, CA Renters Insurance, there are actually three different answers to this question! Will renters insurance cover move out damages? Read on and find out! Can Renters Insurance Cover Move Out Damages That I’ve Caused By Living In The Apartments? They’re looking for renters insurance to cover move out damages. Perhaps a couch has been covering the damage this whole time. They’ve finally moved all of their stuff out of the apartment, and remembered the damage they did months ago. ![]() Once in a while, when someone is in the process of moving out of their apartment, we’ll get a frantic phone call from the insured. ![]()
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