Best Renter's Insurance Companies in Clifton

FAQs

• In Clifton, can you transfer renter's insurance to someone else?

  No. It is not possible to transfer a renter's insurance policy to another person. If you have a roommate, you can just add your roommate to the policy. If you are subletting your home, you also cannot sign your policy over to the subtenant, even if you have already signed your lease over to them. The subtenant has to get their own renter's insurance in Clifton.

• What kinds of events are covered by renter's insurance in Clifton?

  Generally, events such as fire and lightning, explosions, and collapse from the weight of snow are covered by renter's insurance. There are some policies that have separate, optional, or mandatory deductibles for hail, hurricanes, and windstorms. Damage from social events such as civil commotion and riots and crimes like theft, malicious mischief, and vandalism are also covered. Renter's insurance in Clifton does not have coverage for flooding, landslides, and earthquakes.

• What should a renter do with their insurance if they move out of Clifton?

  It depends. If a renter moves out of Clifton, they can either cancel or transfer their renter's insurance policy to the new location. However, if they are moving out of state, they must cancel it unless their current insurance company also offers insurance in that state. But if the renter buys their own home, they should get homeowner's insurance and not renter's insurance.

• If you have a bed bug infestation in your rented apartment in Clifton, can you make a claim?

  Not really. Damage from bed bug infestations is generally not covered by renter's insurance in Clifton. This is because eliminating pests and preventing infestations is considered part of home sanitation, which is the responsibility of the tenant. This alsor means you cannot make an insurance claim to pay for the extermination of these pests or to replace your mattresses.

• What can you do in Clifton if you want to complain about your insurance company or agent?

  Consumers in Clifton can request assistance from the NJ Office of the Insurance Ombudsman. Its consumer hotline number is 1-800-446-7467, which is available from 8:30 a.m. to 5 p.m. Mondays through Fridays. Note that you have to provide information on your policy number, the insurance company or agent's name, and a short description of your problem. It is also important for you to provide documentation to support your complaint.