Best Renter's Insurance Companies in Reading

FAQs

• Will your Reading renters' insurance pay for additional living expenses if a tragedy forces you out of your house?

  Yes. If an insured disaster prevents you from residing in your house, your renters' insurance in Reading will cover the fair additional costs of moving temporarily. It pays for lodging costs, short-term rentals, dining out, and other living expenditures throughout the reconstruction of your house. The extent of coverage for supplementary living expenditures varies between companies.

• Are items taken from the street covered by renters' insurance in Reading?

  Yes. As long as you are taking reasonable care of your belongings, theft is a covered risk under your renters insurance in Reading's personal property coverage, regardless of where the item was stolen. For example, your coverage may extend to the theft of your laptop from your vehicle. Taking reasonable care of your belongings implies you are not providing possibilities for thieves to steal them, such as locking your car door.

• Does your Reading renters' insurance policy require an add-on endorsement in order to cover water damage?

  The personal property coverage of your renters' insurance policy in Reading covers water damage, so you don't need to purchase an add-on endorsement to get coverage for it. However, since standard renters' insurance plans do not cover water damage from backflow, it is wise to purchase an add-on endorsement if your rental unit has a sump pump or other drainage equipment.

• If your pet was stolen, will your Reading renters' insurance cover it?

  No. In Reading, your renters' insurance coverage does not cover pet theft. Similarly, your personal belongings will not be covered by renters' insurance if they are taken because of your carelessness—for example, because you left your apartment door open—or if the burglar is a visiting friend or your roommate.

• Are e-bikes covered by Reading renters' insurance policies?

  Yes, either Class 1 or Class 3 e-bikes are covered by Reading renters' insurance. Renters' insurance only covers bikes with pedal assistance and those without a throttle option. Pedal-assist refers to a battery-operated system in the bicycle that helps you pedal. Since some e-bike models with full-throttle modes are essentially categorized as motorized vehicles, they are not covered.