If you’re new to Arizona and you’re looking for coverage, perhaps in the form of a Chandler, AZ Renters Insurance policy, you probably have some questions. There are a few common questions about renters insurance coverage in Arizona, we’ll answer them all in one convenient article.
Are Wildfires Part Of Arizona Renters Insurance Coverage?
Absolutely. If there’s a wildfire and it causes damage to your property, there is renters insurance coverage available for that loss. Broadly speaking, a fire is a fire, without regard to the cause. The same can be said about much smoke damage to personal property.
This is, of course, subject to exclusions for intentional acts of the insured, as well as for results that were expected or intended by the insured. If you didn’t start the fire, and you didn’t expect or intend for the fire to start, there’s generally coverage for damage from wildfires.
In addition, if a civil authority requires you to evacuate because damage was done to an adjacent building, you may have access to loss of use coverage as well. Consider a burned building next door which is in danger of collapse. The local building authority tells you that you can’t stay in your apartment until that building is made safe.
Renters insurance coverage in that situation could extend to the additional living expenses that you incur as a result of being told by a civil authority that you can’t stay in your home due to nearby damage from a covered peril such as fire or wildfire.
Are Flash Floods Part Of Arizona Renters Insurance Coverage?
Renters insurance coverage with regard to water often requires us to look to the definition of “flood” in the language of insurance. A flood is defined as water moving over, along, through, or under the ground. A flash flood would certainly meet this definition.
Flood coverage is not part of renters or homeowners insurance. It’s a separate product called, aptly enough, “flood insurance” and a tenant flood policy for contents only is often quite affordable depending on your location. A tenant flood policy is the one and only way to protect against the risk of flash floods.
Renters insurance coverage does not apply to flash, or any other kind, of flood. However, water escaping burst pipes could be a covered loss. That’s not a flood, that’s something specifically mentioned in the policy as a covered peril. Your negligence in letting the bathtub overflow and damaging the downstairs neighbor’s apartment could be handled by your renters insurance coverage for liability, as well.
In Arizona, your policy offers coverage for many types of water damage. Flood is simply not one of them.
If My Power Goes Out And I Lose The Food In My Freezer, Is Renters Insurance Coverage Available?
Why did the power go out?
Did someone at the electric company make a mistake? That’s not a covered peril so the frozen foods renters insurance coverage would not likely apply.
If a windstorm caused damage to the power lines, you probably can make that claim though! Just be aware that this is a small coverage, often sublimited to a few hundred dollars. But with budgets as tight as they often are in 2016, that coverage can be a huge help after a loss that’s not your fault in any way, shape, or form.
Is Damage From Wild Animals Covered By Renters Insurance In Chandler, AZ?
When looking for coverage from damage by wild animals, there are a few things that come into play.
First, let’s assume the animals are outside the home. Wild animals are not a covered peril. Landscape and gardening replacement is usually only applicable when tied to a loss from another covered peril. So if a wild animal digs up your garden, there isn’t likely to be coverage.
What if the wild animal is inside your home? Whether a bear manages to get in, or there’s a raccoon in the attic, damage can occur. Wild animals, however, are absolutely not a type of loss named as covered in your policy. There is usually no renters insurance coverage for the damage they do.
Additionally, infestation of insects, bugs, or vermin are not covered. Is one raccoon an infestation? The answer could rightfully be “yes”. Fortunately, this is highly unlikely in an apartment or even a rented home.
What Else Should I Know About Arizona Renters Insurance?
In Arizona, renters insurance coverage is often very similar between companies. The policy forms are fairly standardized. Of course, you still need to read the policy. Why? Because the only person responsible to read it and understand what’s covered is you, the insured. You can bet the company knows what’s in the policy form.
Chandler, AZ Renters Insurance is quite affordable. Most people can buy a basic policy for about fifteen dollars a month. That’s an amount that can be worked into most budgets. Set aside a five dollar bill a week, and you might just have change from paying the bill each month.
Renters insurance coverage is valuable for protection from liability, as well. Just because someone sues you doesn’t mean the lawsuit is legitimate. But if you’re sued for something, you need to defend against it. Your policy contains coverage for defense costs at the expense of the insurance company for anything that would be covered under the policy if the suit or claim were successful.
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