Best Renter's Insurance Companies in Des Moines

Frequently Asked Questions

• What is covered under your Des Moines renter's insurance policy's loss of use clause?

  If you have major property damage and have to vacate your rental, your insurance provider may temporarily pay for your living expenses under the loss of use clause of your renter's insurance coverage in Des Moines. Your carrier may pay for your transportation, food, and other expenses. In addition, regardless of responsibility, your renter's insurance company might potentially pay for accidents suffered by visitors or tenants at your rental property.

• Does the price of your Des Moines renter's insurance depend on your past claims history?

  Yes. In comparison to those who have never filed an insurance claim, renters who have made multiple claims within the last three to five years will pay higher rates. Aside from claims history, the cost of your renter's insurance in Des Moines might vary depending on a number of factors, including your eligibility for discounts, the coverage and deductible amounts you select, and the area where you live.

• Are you allowed to add your roommate to your renter's insurance plan in Des Moines?

  Yes. However, unless your roommate is a spouse or related to you, it is not advisable to include them on your renter's insurance policy in Des Moines. This is because the entire list of dependents on the insurance will receive a portion of the coverage amount. That means if your policy pays up to $20,000 for damage, you and your roommate would only get up to $10,000 each.

• When will mold damage not be covered by your Des Moines renter's insurance policy?

  If the mold developed due to negligence, like a leaky shower head that led to water damage and eventually mold growth, your Des Moines renter's insurance coverage will not cover the mold damage. Rain-related mold development that results from partially open apartment windows is also not covered.

• Are pests such as bed bugs covered by Des Moines renter's insurance?

  Bed bugs and other pests, including rats, termites, and cockroaches, are usually not covered by renter's insurance in Des Moines. Take immediate action to reduce expensive damage and possible health hazards if you have pests in your home. Contact your landlord so they can send an exterminator in before things get out of hand.