Does Arlington, VA Renters Insurance protect you from a crazy ex? First things first, renters insurance makes you whole after there’s a loss. So there’s a whole lot of crazy that you’ll have to deal with on your own. But the real question here is whether the policy will make you whole if that crazy ex trashes your apartment in Arlington.
The answer is yes. How do we get to that answer? It’s quite simple, actually. Renters insurance protects you from a long list of “perils” that are named in the policy. Peril is just another word for something that causes a loss. Three specific named perils come to mind as important in this situation.
Your personal property is protected from vandalism. That’s the most common one when dealing with a crazy ex. They break in and trash the place for no good reason except that the “revenge” makes them feel better. While that may indicate that they have some deeper issues and you’re better off without them anyway, that vandalism can be covered under your renters insurance in Arlington – and anywhere else, since it’s a standard peril named on most renters insurance policies.
You’re also protected from fire. It doesn’t matter what caused the fire, as long as it’s not your intentional act – obviously that wouldn’t be covered – it just matters that there was a fire and that you suffered a loss as a result. The fact that your ex started the fire isn’t really relevant to the insurance coverage. What’s important is that a loss happened and it was caused by a covered peril. If there’s a fire, don’t forget about loss of use coverage, as well – that can pay for somewhere else for you to stay in the interim while repairs are being made.
Theft is another peril that you’re covered for on your policy. If your crazy ex breaks in and steals things, you can go replace those items after you file a claim. That’s why replacement cost coverage is so important, because you want the loss to be settled at the cost to buy new property of like kind and quality, not at the actual cash value (depreciated) of the property.
So does Arlington renters insurance protect you from the acts of a crazy ex? Absolutely, and in many different ways. To find out more, just speak with an Effective Coverage renters insurance expert at (800)892-4308 or click to get covered - whether you need Arlington renters insurance quotes online or coverage anywhere else!
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