I Live With A Friend, How Can I Get Renters Insurance In Laurel, MD?

There are a wide variety of living situations.  The person who asked this question of us told us that his roommate of many years is about to buy their first house, and has offered to rent a room to him.  He’s not sure if this informal arrangement will qualify for renters insurance in Laurel, and he wants to make sure that he’s protected if something happens to his stuff – or his friend’s house.  You’re in luck!

You can get Laurel, MD Renters Insurance so long as you live somewhere that you don’t own and the location meets underwriting guidelines.  The latter just means things like not being a beach house, a seasonal residence, or directly adjacent to a PCB factory.  Those aren’t generally worries, especially when you’re living in a home that someone owns and in which they also reside.

Renters insurance in Laurel is designed to accommodate many living situations, because with three hundred million people in this country, there are bound to be some unconventional situations.  That’s fine.  The big catch is that your roommate is still your roommate, and you’re not renting a separate unit.  That means you need to disclose both your risks and theirs.  This mostly applies to things like certain breeds of dogs.  Just because that Rottweiler is the homeowners doesn’t mean you shouldn’t disclose it – if you have a guest and the dog bites them, you’d probably not have coverage because of that material misrepresentation!

It can actually be easier to get renters insurance in Laurel when one person owns the house (and most of the stuff) and you just own your stuff.  That makes a home inventory much easier, because you’re able to see exactly what you own, and what’s not your problem to insure.  Your friend’s homeowners policy likely provides sufficient personal property coverage for him, but it won’t cover your stuff even if the entire house burns down so it’s important that you buy your own policy.

When you go to purchase your Laurel, MD Renters Insurance, they won’t ask you many questions as to the dwelling itself.  You’ll give an address – that’s used for rating the policy – but they aren’t likely to ask you how many square feet of the home you occupy, whether you have a lease, or what your relationship to the owner of the home is.  You’re a tenant just like any other one, which makes it easy to buy renters insurance online in Maryland.

Effective Coverage has made it even easier – if you’d prefer to call and speak with a friendly insurance expert for Maryland renters, you can be covered in about three minutes.  If you’d rather do it online, just click above and you can be covered in just sixty seconds!  Fast renters insurance is offered by Effective Coverage because we’re focused on the insurance needs of renters, and we know that renters are busy.  Just call (800)892-4308 or click to get covered - whether you need Laurel 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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Photo Credit: Roger Mommaerts Last Day In The Old House CC BY SA 2.0