Info About Insurance

List of Questions you need to ask while choosing a Renter's Insurance Policy

This section is a good set of questions you need to get answered when you are asking for a quote or you are trying to understand the Renter's Insurance coverage provided by some of the companies out there. They are in no particular order.

• What is covered with this Renters Insurance Policy?
• Is cash covered under the policy?
• Are collectibles and hobby items covered?
• Would you provide full replacement value for the damaged items?
• Are natural disasters covered?
• Where is this policy available? Useful if you plan to move.
• What are the payment methods and terms?
• When will the insurance term start and how long will it take for the policy to arrive?
• What are the discounts available?
• Cancellation policies and fees if any?
• What type of coverage is provided for electronics items like computers, camera etc.?
• What are the deductibles?
• Are my belongings still covered while I am moving?
• Can i use the same policy while moving?
• Differentiate Business Property vs Personal Property and what is covered?
• When is the coverage not available?
• Waterbeds, furnaces... what are my liability coverages?
• How can i make a claim?
• How many times can i make claims?
• Will my premium increase if i make claims!!!
• Will my premium go up after natural disasters?
• What are the premiums and tiers of coverage?
• Is there electronic filing available for claims
• Can i see status or get status of my claims
• How long does it typically take for claims to be settled
• Do you have local offices near my location
• Can i talk to some representative to understand what is covered and not covered before making a claim?
• Do you have toll free access and free visits?
• I have a garage and storage units are items in them covered?
• What types of discounts are available if i purchase other plans from you like auto or car insurance?
• Are room mates covered under the plan?
• My Landlord has an insurance in plan what is covered and what is not covered? ( ask your landlord for details).
• Are Mobile Home's covered?

PLEASE SEND US MORE QUESTIONS THAT COULD BE USEFUL IN THIS LIST.