Best Renters Insurance Companies in Edison, NJ

Edison, NJ Renters Insurance FAQs

• Can your renters’ insurance policy help when somebody sues you for personal injury in Edison?

  Renters’ insurance policies generally include personal liability coverage. This can help you pay for legal costs, including attorney fees when a guest gets injured in your rented property and is suing you for compensation. Some policies in Edison also include medical expenses coverage, which will pay for the injured guest's medical bills.

• Are damage or loss due to frozen, cracked, or burnt pipes in your apartment covered by renters’ insurance in Edison?

  If frozen sprinklers or a cracked hot water pipe caused a leak or overflow that harmed your personal possessions, you can file a claim against your renters' insurance policy for your damaged items. The event must be accidental or sudden, and proper maintenance must have been observed to prevent the pipes from freezing. However, the repair or replacement of the problematic pipe should be covered by your Edison landlord’s insurance since it is part of the apartment’s structure.

• Which expenses can your renters’ insurance policy cover when you have to vacate your apartment in Edison after a fire?

  Renters’ insurance policies typically include coverage for additional living expenses when the policyholder needs to vacate a rented property due to it becoming severely damaged and uninhabitable. The cause of the damage must be a covered peril, such as a fire or a storm. You can claim extra expenses resulting from being temporarily displaced, like your hotel bills and meals. Some renters’ insurance policies in Edison also cover the cost of moving your remaining belongings to a new place.

• Are items inside the mover’s trucks protected by your renters’ insurance policy in Edison?

  Renters’ insurance policies generally do not cover personal belongings under a third party’s care or control, such as those inside a mover’s truck. Most moving companies have their own insurance that will cover the customer’s belongings once loaded in their truck. Check if your contract with the mover has insurance coverage included. Once your belongings are dropped off in your new place in Edison, your renters’ insurance coverage will apply.

• Can your landlord in Edison require you to get a renters’ insurance policy?

  No state laws mandate tenants in Edison to carry renters’ insurance, but landlords can make this insurance a requirement in the lease contract. You may also be required to add your landlord as an “interested party” in the policy. So, the landlord gets notified when your policy lapses or gets canceled. The landlord should check your renters’ insurance policy before you move in.