Questions & answers · Renters insurance

Renters insurance claim questions

22 short answers. Each one quotes the official rule it is based on, with the date we checked it. Information only — not legal advice.

Any state · federal rules (12)

• Do I need a lawyer for my renters insurance claim, and is the insurer acting in bad faith?Lawyer / bad faith
• How can I prove what I owned if my things are stolen or ruined?Buying a policy
• How do I file a renters insurance claim after a fire in my apartment?How to file
• How does renters insurance work?Buying a policy
• How long do I have to file a renters insurance claim after a guest got hurt in my apartment?Deadlines
• I rent my home. Does my renters insurance or a flood policy pay for my belongings after a flood?Who pays
• My renters insurance claim is taking too long. What can I do?Slow or stuck
• My renters insurance company denied or underpaid my theft claim. How do I get an outside review or file a complaint with the state?Complaint / outside review
• My renters insurance denied my theft claim. Why, and is that allowed?Denied
• My renters insurance paid my water leak claim. Will the insurer try to get the money back from someone, and will my premium go up?After payment
• My renters insurance paid too little for my stolen items. How do I get a fair amount?Paid too little
• When should I cancel my renters insurance?Buying a policy

Maine (1)

• I have bed bugs in my apartment. Will renters insurance pay, or is it my landlord's job?Who pays · Maine, New Jersey, Texas

Minnesota (1)

• Does my roommate's renters insurance cover my things, or do I need my own policy?Buying a policy · Minnesota, Pennsylvania, Texas

New York (2)

• My laptop or bike was stolen. How do I file a renters insurance claim?How to file · New York, Pennsylvania, Texas, Washington, Wisconsin
• What kinds of damage does a renters policy usually cover, and what must I add?Other · New York

North Carolina (1)

• Do I need renters insurance if my landlord already has insurance, and who pays if a neighbor's water leak ruins my things?Buying a policy · North Carolina, New Jersey, New York, Texas

Texas (5)

• Does my renters insurance pay for this, or does my landlord's insurance?Who pays · Texas
• My renters insurance claim was denied, delayed or paid too little. What are my rights?Denied · Texas
• My renters insurance denied my water leak claim. Is that allowed?Denied · Texas
• My renters insurance has limits for some items. What are common limits for cash, jewelry and business items?Other · Texas
• My things were stolen away from home. Does renters insurance pay? Can my parents' policy cover me?Other · Texas