Best Renter's Insurance Companies in Huntington Beach

Frequently Asked Questions

• Can your renters’ insurance company in Huntington Beach cancel your policy for an unpaid premium?

  Yes, your renters’ insurance company in Huntington Beach can cancel your policy for a missed premium if the policy has been active for over 60 days. You should receive a notice of the impending cancellation 10 days before it takes effect. If you do not settle the unpaid premium within this 10-day notice period, the cancellation will proceed.

• Can renters’ insurance in Huntington Beach help with expenses if your dog bites your guest?

  The personal liability coverage in most renters’ insurance policies can help pay for medical expenses when the policyholder’s dog bites someone who is not a member of your household. Make sure you list your dog on the policy. Note that some Huntington Beach insurers exclude certain dog breeds and dogs with a history of biting. Some policies also limit this coverage to dog bites that occur while on the rented property, not while you are walking your dog outside.

• What is commonly excluded from renters’ insurance policies in Huntington Beach?

  Renters' insurance policies typically do not cover pest and rodent infestations, including bed bug infestations. In terms of perils, common exclusions are floods, earthquakes, and mudslides. Your car and your roommates’ personal property are also not covered. If you have high-value items in your Huntington Beach rental like jewelry, art, or expensive musical instruments, you might want to add an endorsement/rider to your standard policy. Renters' insurance providers usually impose a coverage limit for expensive items like these.

• What if your laptop gets stolen from your hotel room out of town, can you claim reimbursement for the theft through your renters’ insurance policy in Huntington Beach?

  Your renters’ insurance policy covers your personal belongings on and off the premises of your rented property. Your policy can help you buy a replacement for your stolen laptop even if the theft happened in a hotel. The policy’s personal belongings coverage also applies even while you are traveling abroad. However, some insurance companies in Huntington Beach may have reimbursement limits for electronics or property lost off-premises. It's best to check your policy's fine print.

• Should you buy renters’ insurance before or after your move into your new rental in Huntington Beach?

  While you can buy renters’ insurance anytime, it’s recommended to have one in place before you move into a new rental. Renters’ insurance is not retroactive, so if you buy a policy after a break-in, it won't cover whatever the burglar stole or damaged in your new place. If you have an existing policy, see if your current insurer can still cover you in Huntington Beach. Most renters' insurance policies can be rewritten for use in other states.