Winter Tips For Arlington, TX Renters Insurance

As winter approaches, it’s important to think about your Arlington, TX Renters Insurance in terms of the season. Remember that policy forms vary throughout Texas based on the individual company, so you’ll need to know the right questions to ask your insurance provider. Winter can be a dangerous and deadly time of year, so make sure your coverage does what it should.

Wind/Hail And Your Arlington, TX Renters Insurance

Are wind and hail covered under your policy? Since each carrier writes their own policy form because of file and use in Texas, you’ll find that this may vary. Your policy documents will control, of course. It’s an important question to ask. Arlington has a history of winter storms from time to time, and hail can be very damaging.

It’s important to note that hail is a separate peril from…

Weight of Ice And Snow And Your Policy

The vast majority of policies in Arlington will cover weight of ice and snow. It’s fairly low risk, but there are certainly possibilities – especially since some local construction is known not to have contemplated such risks in the design phase. If the snow or ice causes a roof collapse in your apartment, are you covered?

In that scenario, there’s a risk of damage to your property from the collapse of the roof or ceiling. There’s also a risk of water damage, as well. In that situation, of course, you won’t be able to use your apartment for a period of time while repairs are made. Your Arlington renters insurance should include coverage for loss of use, as well.

That loss of use coverage is triggered by a covered claim, such as weight of ice and snow, and it pays for a hotel and other additional living expenses beyond what you’d normally spend on housing and related expenses. This ensures that you’re not paying twice for living expenses during the time your apartment is unusable as a result of a covered loss.

Does Renters Insurance Cover Theft Of Christmas Gifts

‘Tis the season… for people to steal your stuff! Burglaries are common during the holidays, and the best way to protect yourself is with Arlington, TX Renters Insurance. It’s not just things stolen from your home that are covered. Many people will put part of their shopping in the trunk of their car and then go back into the store or the mall.

Car trunks are far from impenetrable. By having renters insurance, items that are stolen from your vehicle are covered. This is important, because your auto insurance won’t cover that. Most people have a holiday budget for gifts, and once that’s spent they can’t replace them. Having renters insurance makes sure that a theft won’t ruin the holidays.

What About Coverage For Burst Pipes?

Yes! That’s normally a covered peril. You need to have taken reasonable care and maintained heat, but that’s about the extent of your responsibility. It’s worth noting that “reasonable care” means you kept the heat at a reasonable temperature and paid the gas or electric bill.

If there’s an outage that turns off the heat and causes burst pipes, though, you generally have coverage because you kept the thermostat at a reasonable temperature. You didn’t cause the power or gas outage. The burst pipes and water damage resulting from them are generally a covered loss.

 

There are a wide variety of things you might not have considered that are covered on your Arlington, TX Renters Insurance. Working with an insurance expert for renters can help you to understand what’s covered, what’s not, and why. Effective Coverage has insurance experts available by both web chat and phone who are happy to spend the necessary time to ensure all of your questions are answered. Just call (800)892-4308 or click to get covered - whether you need Arlington renters insurance quotes online or coverage anywhere else!

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