Does Renter’s Insurance Cover Broken Windows?

Renter’s insurance is a form of property insurance that protects tenants who live in rented buildings. So, whether you live in an apartment, condominium, or single-family home, renter’s insurance is ideal.

If you’re liable for another person’s property, e.g., a landlord, you must repair or replace it; therefore, if the home sustains a broken window, door, or wall, that’s your expense.

It doesn’t matter who broke the window: a pet or a visitor; you’re still liable for the damage. Fortunately, the renter’s insurance covers the cost of repairs and replacements for items under your responsibility.

Considering the liability associated with rental buildings, consider buying a renter’s insurance policy from a trusted insurance agency in Northridge, CA.

What Does Renter’s Insurance Cover?

The renter’s insurance’s primary role is to cater to unforeseen losses, otherwise known as covered perils. It is always impossible to prevent certain circumstances that lead to theft, windstorms, explosions, break-ins, or visitor injuries, and that’s where the renter’s insurance comes in.

Here’s a breakdown of its coverage:

Personal Property

It covers the cost to replace or repair personal belongings, such as clothing, furniture, and electronics, according to the limits of your cover.

Additional Living Expenses

The policy provides financial protection against additional living expenses. The coverage provides financial protection if an insured disaster forces the tenant to find temporary accommodation.

The coverage pays for the following expenses while the rental home is being repaired or rebuilt:

• Hotel bills
• Temporary rental
• Meals
• Moving costs
• Laundry expenses

Most insurers reimburse the additional expenses beyond the ordinary living costs.

Liability

It covers the cost of repairs or replacement if you accidentally damage the property belonging to the landlord. Renter’s insurance also covers the policyholder against lawsuits for bodily injury to a third party or property damage by the renter, family member, or pets.

It also provides financial protection for legal defense costs per your policy limit.

How Renter’s Insurance Works

Renter’s insurance is standard property insurance for tenants after renting out a home or any other type of dwelling. It is also available for people who sublet a property from other tenants. The extent of coverage depends on the coverage you prefer— broader coverage also attracts higher premiums.

Limitations of Renter’s Insurance

While renter’s insurance covers losses from fire, lightning, vandalism, theft, windstorms, and specific water damage, most don’t cover floods and earthquakes. You may, therefore, consider buying flood insurance from a few commercial insurers or the National Flood Insurance program.

Buy earthquake insurance as an added endorsement to your policy, considering California is a high-risk earthquake state.

Escape Financial Liability With Renter’s Insurance

A significant repair bill for a broken window or a bodily injury lawsuit can ruin your finances. If uninsured, you may need a loan to cover the losses. On the contrary, someone with a renter’s insurance enjoys financial protection in case of unforeseen events.

To that end, consider buying a renter’s insurance from a reputable agency like Panorama Insurance Agency.

Contact us online or call us at 818.600.9179 to request a free quote.