Landlords in Orange County commonly require Irvine, CA Renters Insurance. Having a policy means you can respond to any damage your negligence causes to the building or to a neighbor. There’s more to renters insurance than that, however. It also protects your personal property against a number of different types of loss. Each one is a “named peril” in the policy.
Do you know what your property is protected from? Many people think that renters insurance covers fire and little else. That’s far from the truth. Your policy lists all of the things that are covered, and it’s always a good idea to read it in full. Any event that would be a covered loss is in the policy. The amount of coverage is determined by your declarations page. Falling objects are a covered loss, but there’s a caveat.
What Is The Renters Insurance Peril Of Falling Objects? How Does My Policy Protect Me?
Any object which is above or outside your home and falling generally downward is a falling object. It could strike the roof, a window, or a wall and cause damage. Falling objects can be of any kind, and of nearly any origin. What the object is does not matter.
The caveat is that the object must cause damage to the roof or exterior wall. That’s the only way you’ll find coverage for personal property located inside the building. In other words, if you are moving your couch across the room and accidentally drop it on top of your computer, that damage is not covered. It’s not a falling object in this sense, because it didn’t strike and damage the roof or outside wall first.
Note also that damage to the falling object itself is not covered. Let’s reverse the above scenario. You’re moving your computer monitor. You drop it on the couch. Instead of coming to rest, it bounces off the couch and lands on the floor. The monitor, of course, is damaged. The couch and carpeted floor suffer no damage at all. There is no coverage for damage to the monitor, because it was the falling object in question.
A small meteor is a falling object under the definition of the policy. A large meteor or comet would also fit the definition, but there’s something of a question as to who pays claims after an extinction event. Ice falling from an airplane would be covered, and is a common occurrence. What if there’s construction next door and someone kicks a brick off the scaffold? If it enters the roof or walls of your home, it’s a falling object and a covered loss.
What if your ceiling collapses due to a roof leak or shoddy workmanship? Is damage to your property covered? Probably, but not under the peril of falling objects! Coverage for collapse of the building or any part of the building can be found elsewhere. Look under the additional coverage section of your policy. It’s defined as “an abrupt falling down or caving in of a building or any part of a building [which then] cannot be occupied…” A ceiling collapse could well fit that definition, depending on the cause.
Does Renters Insurance Cover Liability For Falling Objects?
Yes! Your Irvine, CA Renters Insurance liability coverage follows you as the insured. If you’re on the golf course and a bad swing results in your ball damaging a car, you could be covered. If you’re enjoying the rooftop lounge on your apartment building and drop a book over the edge, liability would defend you against the person injured by the falling book.
How Can I Get Renters Insurance Today?
Renters insurance in California doesn’t rely on credit for rating or underwriting. That means most people pay about the same rate within a general area for the same amount of coverage. It’s quick and easy to buy renters insurance online with Effective Coverage. You can also call and speak with an insurance expert. We can help you to determine your needs as well as the right coverage to meet them.
Effective Coverage has created the easiest way to buy renters insurance. Just call (800)892-4308 or click to get covered - whether you need Irvine, CA renters insurance quotes online or coverage anywhere else!
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