Best Renter's Insurance Companies in Brockton

FAQs

• If your partner moves into your apartment in Brockton, will your renters’ insurance cover their belongings?

  Renters’ insurance generally only covers members of your household who are related to you like your spouse, children, and parents. Thus, your significant other who is not your blood or legal relative will not be covered. The same applies to roommates. To get your partner covered, you must add them to your policy. Note that any claim your partner makes will be reported on your insurance history, which can affect your future insurance rates in Brockton.

• Do renters’ insurance policies in Brockton help pay for damage to property caused by your dog?

  It depends on whose property the dog damaged. Your policy will not cover damage done to your property by your own dog. However, if it’s somebody else’s property, like your Brockton neighbor’s fence, your policy’s liability coverage will kick in and help you pay for the damage. The liability coverage also covers dog bite injuries. It is important to check the fine print of your policy, as some insurers exclude certain dog breeds or dogs with a history of biting.

• How much do tenants spend on renters’ insurance in Brockton?

  Tenants in Brockton pay $209 a year on average for renters’ insurance as of 2023. This is about 7% higher than the statewide average of $193 annually or $16 monthly. This is based on policy rates collected by Value Penguin for a 30-year-old tenant with personal property coverage of $30,000, liability coverage of $100,000, and a deductible of $500.

• If your keys have been stolen and you need a locksmith to unlock your Brockton apartment, can renters’ insurance cover the locksmith fees?

  The locksmith’s fees to open your apartment may be covered by your renters’ insurance policy in this situation since the cause, theft, is a covered peril. However, if you can’t get into the apartment because you misplaced the key, the locksmith’s service will not be covered. Also, if a burglar broke the lock to get inside your apartment, your Brockton landlord’s insurance should pay for the locksmith to repair or replace the lock.

• Will your renters’ insurance policy protect you when you cause damage to your apartment building in Brockton?

  Most renters’ insurance policies in Brockton come with liability coverage, which can pay for damage to other's property due to your negligence. For instance, if you accidentally left your sink tap open, which led to water damage in the building, your policy can cover repairs or replacements up to your liability coverage limit. Note that if the damage is not your fault, like a typhoon, the landlord’s insurance should cover the damage to the apartment.