Best Renter's Insurance Companies in Edmond

FAQs

• If you break someone else's television, will your Edmond renters' insurance coverage pay for it?

  Yes. If you break a TV in someone else's house, your Edmond renters' insurance policy's personal responsibility coverage may pay for it, but personal liability insurance only kicks in if you unintentionally cause harm to someone else's property. Renters' insurance won't pay for damage done to your own TV if you drop it or connect it to an overcharged power strip by accident.

• In Edmond, is carpet damage covered by renters' insurance?

  No. Standard Edmond renters' insurance policies do not include coverage for carpet damage because a carpet is a structural element. If a covered risk results in carpet damage, your landlord's insurance will pay for it. If the carpet was installed by you, though, it will be regarded as your personal property and protected against covered hazards by your renters' insurance.

• What extra protection is available for your bicycle under Edmond renters' insurance?

  You can purchase additional coverage, commonly referred to as scheduled personal property, to your Edmond renters' insurance policy if you want a little extra security for your bike. This offers you a zero-deductible option in addition to supplementary coverage for some situations not covered by the listed hazards.

• Will your renters' insurance pay for your damaged personal belongings if a pipe in your rental property bursts and water spills onto them?

  Yes, you will receive reimbursement from your Edmond renters' insurance coverage for any personal belongings lost due to a burst pipe. In the event that your rental property becomes temporarily uninhabitable, you may also file a claim under the loss of use coverage of your renters' policy. Loss of use coverage will pay for alternate living arrangements if you are unable to stay in your house.

• Does an Edmond renters' insurance policy usually cover a diamond ring?

  No. In Edmond, a renters' insurance policy usually does not include coverage for a diamond engagement ring. To have this item insured, you will need to add an extra valuable personal property rider to your basic policy. Other pricey items like a fancy watch, audio equipment, or a costly camera are also not often covered by renters' insurance in Edmond.