Living in the Hampton Roads area can be peaceful. You might wonder why you need Chesapeake, VA Renters Insurance. Renters insurance offers broad coverage, but most people don’t realize just how broad it is. Your landlord requires you to be covered, but all they care about is liability coverage. Your policy does so much more than cover you for liability.
Renters insurance offers loss of use coverage to pay for additional living expenses after a covered loss. What’s a covered loss? A loss to personal property caused by something covered by the policy. In other words, damage caused by a “named peril.” What are those perils? Let’s take a look at one of them, vandalism or malicious mischief. Learning about perils doesn’t have to be painful.
What Is The Renters Insurance Peril Of Vandalism Or Malicious Mischief? How Does Renters Insurance Protect Me?
Vandalism is damage caused to someone else’s property, simply for the sake of causing damage. Malicious mischief is similar, though damage may not have been intended. Some things, like egging your house, straddle the line depending on the outcome. Vandalism is one of the most common property crimes.
The peril of vandalism or malicious mischief covers damage to parts of the premises for which you’re responsible, as well as to personal property. If someone slashes the tires of your bike on the premises, that’s vandalism. If someone thinks your music is too loud and sneaks into your home to destroy your stereo, that’s vandalism. Both would likely be covered losses if they met your deductible.
What’s the most common kind of vandalism resulting in insurance claims? Angry Exes. Unfortunately, all your exes do not live in Texas. The ones who live nearby, often fueled by alcohol, have been known to cause damage and destruction to property in the guise of revenge. A variety of examples can be found on YouTube. When an ex comes into your home and trashes it, that’s vandalism. There’s coverage for the damage.
What’s Not Covered?
Losses to property by vandalism or malicious mischief are not covered if the dwelling has been vacant for more than 60 consecutive days. Vacant means that you’re not living there and it’s substantially empty of personal property necessary for normal use. If you’re not living in the dwelling, there are additional precautions against vandalism that should be taken.
Vandalism committed by any insured is not covered. What does this mean? Imagine that you live with a partner. They’re a named insured on your Chesapeake, VA Renters Insurance policy. Things go south and they move out, but you neglect to have the policy rewritten. They’re still insured under the policy. If they return and trash the place, coverage is unlikely because it’s an intentional act committed by one insured against another.
How Can I Get Instant Proof Of Renters Insurance?
Instant proof of renters insurance is easy. If you need proof of coverage for your landlord, just call Effective Coverage. You can get same day coverage by calling, or you can start a policy in just sixty seconds online. Your cell phone is all you need, whether you want to call or go online.
The best part is that Effective Coverage compares prices for you and helps you to get the best price for the coverage that you need. Our insurance experts work to help you understand your needs and get coverage the meets those needs, all efficiently and at the right price. Just call (800)892-4308 or click to get covered - whether you need Colorado Springs, CO renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
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