Best Renter's Insurance Companies in Columbus

FAQs

• Can a college student in Columbus use their parent's homeowners insurance policy to fulfill need for rental coverage?

  It depends. Homeowners insurance provides coverage for students living in college dorms on the Columbus campus; however, it may have certain limits, such as reduced coverage for personal property and exclusions for covered risks. Yet, if the student is renting an apartment unit off-campus, they are ineligible for homeowners insurance protection. The college student renter must obtain renters' insurance.

• Is it possible for your landlord to get reimbursement from your renters' insurance in Columbus?

  Yes, your landlord in Columbus may request reimbursement from your renters insurance for what they paid out to fix the building after an incident, especially if you have negligently caused the damage. Your signed lease agreement contract should specify who is responsible for what; if it does not, you have the right to ask that it be documented.

• Does crime rates in Columbus affect renters' insurance costs?

  Yes. If you live in an area with a significant incidence of property crime within Columbus, your renters' insurance premiums will be subject to adjustment. This is to account for the increased likelihood of theft or property damage, as evaluated by your insurance company. Theft, burglary, auto theft, and arson are the most prevalent property crimes.

• Will your belongings be covered by your Columbus renters' insurance when you travel?

  Yes. Your Columbus renters' insurance covers your personal belongings while you travel. However, there are limits to the maximum amount of coverage allowed for some high-priced belongings; if you want to carry precious items like jewelry or photography equipment, you must get additional coverage by purchasing a scheduled personal property policy. Verify your insurance inclusions and limits with your insurer before going on vacation.

• How does liability protection in Columbus renters' insurance work while you are not at home?

  Renters' insurance should cover the costs up to the policy's liability protection limit, even if the incident occurs away from your home in Columbus. This coverage may also protect you from financial responsibility if your child accidentally damages a valuable item at a friend's home, your pet attacks someone at the park, or your guest sustains injuries due to slip and fall within the proximity of your house.