Here to Help
Ver página en inglés
Cuando alquila un apartamento, el dueño normalmente será responsable de los seguros necesarios para proteger contra daño al edificio mismo. Sin embargo, usted está encargado/a de proteger sus posesiones.
¿Cómo le puede proteger los seguros de inquilino?
Use los puntos amarillos y explore como los seguros de inquilino pueden proteger contra riesgos comunes.
Personal Property
Risk Factor
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Solution
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Limits and Exclusions
Risk Factor
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.
Solution
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
Additional Living Expense
Risk Factor
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Solution
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.
Liability
Risk Factor
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Solution
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
Medical Expenses
Risk Factor
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Solution
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
Landlord
Risk Factor
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Solution
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Improvements or Betterments
Risk Factor
Any improvements or betterments that you have made to your unit are subject to damage.
Solution
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
Contents Away from Home
Risk Factor
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Solution
Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
Premises Liability
Risk Factor
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Solution
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
Los seguros de inquilinos cubren daños y pérdidas por robos, además de pérdidas por eventos como incendios, ciertos tipos de daños por agua y más. Asegúrese de comprobar los detalles de su cobertura–normalmente hay un límite total en el dinero que se dé en caso de una pérdida y un tamaño máximo de una sola reclamación.
También es posible que usted reciba un pago para alojamiento temporal si la propiedad alquilada es inhabitable después de un evento que cubra su póliza.
Algunas pólizas también incluyen cobertura de responsabilidad si usted daña la propiedad alquilada misma por accidente o si alguien sufre lesiones visitándole en su apartamento.
Aunque estacione un vehículo en la propiedad alquilada misma, su carro normalmente no lo cubre el seguro de inquilino.
Si alquila usted un apartamento, necesita un seguro de inquilino. Nos alegraríamos guiarle sobre las opciones para asegurar que tenga la cobertura y la protección que necesite.
Discutamos su seguro de inquilino.
Uno de nuestros consejeros de seguro se comunicará con usted para repasar su información y presentarle la solución apropiada para su seguro de inquilino. No hay obligación, solamente consejos.
AIS Insurance Group ofrece seguros de inquilino completos en el sur de Nueva Jersey, el norte de Maryland y en las siguientes comunidades de Pensilvania: Malvern, West Chester, Exton, Phoenixville, Newtown Square, Wayne, Chester Springs, Glen Mills, King of Prussia, Downingtown, Broomall, Bryn Mawr, Norristown, Collegeville, Conshohocken, Havertown, Lansdale, Plymouth Meeting, Drexel Hill, Pottstown, Kennett Square, Coatesville, Philadelphia, Lancaster, además de Wilmington, Delaware.
Clickable Coverage
