Best Renter's Insurance Companies in Reno

Frequently Asked Questions

• Is it legally required in Reno to get renters' insurance?

  In Reno, it is not required by state law to carry renters' insurance. But as long as it's in your lease agreement, your landlord has the legal right to demand it. Whenever you apply, find out from your landlord if they require renters' insurance. To safeguard your personal belongings, you should get renters insurance even if your landlord does not need you to have one.

• Does your Reno renters' insurance policy require you to include your landlord?

  It is only necessary to include your landlord as an extra interest on your renters' insurance policy in Reno if the landlord wants it. This implies that your landlord will be notified of any changes to or cancellation of your insurance. You should decline to include the landlord if they wish to be added to your policy as an insured named party.

• Is it necessary to have renters' insurance in Reno even if your landlord has insurance?

  Yes. You, as the renter, are responsible for any damage to your rental property and your personal possessions, even when your landlord, apartment complex, or property management in Reno has insurance covering the building itself. For as long as you are renting your home, renters' insurance is crucial. The same rules apply whether you rent a house, co-op, condo, or apartment.

• Does mold inspection coverage come with Reno renters' insurance?

  In Reno, a mold inspection is not covered by your renters' insurance. Typically, your landlord or rental business will bear the expense of a mold examination. Furthermore, your renters' policy won't pay for damage caused by outside water that results in mold growing in your apartment or rental home. Alternatively, to safeguard your possessions from flood damage, you might consider additional flood insurance coverage.

• Does your Reno renters' insurance cover pet-related injuries?

  Pet-related injuries to non-family members are the only ones that your Reno renters' insurance will pay for. It won't pay for any harm your pet caused to you or any other occupants of the rental unit. Your renters' insurance will also pay for any harm your pet does to someone else's property.