Damage to property of others coverage is designed to take care of life’s little “oops” moments. It’s that simple – stuff happens, and you want coverage for it. There are a very limited number of people on Earth who would bother to file a liability claim against you for $300, and perhaps their willingness say something about those who would, but damages of that size can still create uncomfortable situations and difficulty in your budget.
You’ll find damage to property of others coverage on your Virginia Renters Insurance is useful in a wide variety of situations. One of the obvious ones involves your kids. Your children are considered to be insureds under the policy, since they can’t very well contract (or pay for) their own. The classic example, of course, is the baseball through a window example. It still happens, even though kids play outside less than they used to. Do you want to pay for the window, or do you want your policy to pay?
Another scenario is that you’re at a party hosted by some friends who have just remodeled their home, including new carpet. Through no fault of your own, you drop a glass of wine all over their new carpet. It can be cleaned, but it will cost money to have someone do the job. You don’t really want to pay for it, and they’re unlikely to want to go through a liability claim to get it paid for, and that’s where damage to property of others coverage comes into play.
There are a wide variety of ways in which you could damage something that belongs to another person. It’s not just the property that’s damaged, oftentimes it’s also the relationship with the other person that can be damaged as well. This coverage makes it possible to resolve the issue without spending your own money, and to help ensure that the relationship doesn’t suffer. People remain mad at each other for years over far less than a few hundred dollars in property damage. This coverage doesn’t just protect your wallet, it also helps to protect your relationships.
Damage to property of others coverage is included as part of the standard Virginia renters insurance policy form, often in the amount of $500.00. It’s a small coverage, but it’s an important one. Because it’s part of the standard policy, it’s not something you can waive or replace with another type of coverage. The good news is, because it’s part of the policy, it’s also not going to increase your premiums to have it. To find out more, or to get covered, just call Dale City, VA Renters Insurance
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