Best Renters Insurance Companies in Gresham, OR

Gresham, OR Renters Insurance FAQs

• Can your landlord require you to have renters' insurance in Gresham?

  Yes, according to Oregon Revised Statute (ORS) 90.222, landlords in Gresham can require tenants to obtain renters' insurance. However, landlords are not permitted to insist on being named as an additional insured on the insurance policy. They may, on the other hand, request to be designated as having an interest in the policy in order to receive notifications if the policy expires.

• Can your landlord require a specific insurance provider for renters' insurance in Gresham?

  No, landlords in Gresham are not permitted to require tenants to purchase renters' insurance from a specific insurance provider. State law forbids landlords from imposing such a requirement, ensuring that tenants have the freedom to choose their preferred insurance provider. However, landlords can require tenants to secure a maximum coverage of $100,000 per occurrence or the standard amount necessary for comparable properties within the same rental market, whichever amount is higher.

• Does renters' insurance cover personal belongings in your car in Gresham?

  Renters' insurance in Gresham typically includes off-premises coverage, which means that items outside your home are also protected against the perils listed in your policy. This means that personal items, such as those stolen from your car outside your unit or while traveling, are covered by your policy against the same perils.

• Are there renters' insurance discounts available in Gresham?

  Yes, renters in Gresham can receive insurance discounts. If they have multiple policies with the same insurer, they may be eligible for these discounts. They may also be eligible for discounts if they have security systems such as deadbolt locks and smoke detectors installed. Renters with good credit and those aged 55 and up may also be eligible for discounts.

• How can you prove you have renters' insurance to your landlord in Gresham?

  You can use a variety of methods to show your landlord in Gresham that you have renters' insurance. One option is to make the declarations page available digitally or physically. This document contains important policy information. You can also ask your insurer to notify your landlord directly, send a digital copy via property management software if applicable, or provide verbal confirmation.