Water Backup Renters Insurance Reddit

I wouldn t bother with it it s not like it covers the plumbing flooring walls etc as that is all covered under the homeowners insurance. It even will cover me if my dog bites someone in the park. I just got a renters insurance quote from my agent and they recommend adding personal injury 18 year id fraud 25 year and water backup 40 year.

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My friend s car was broken into once and her gps stolen.

Water backup renters insurance reddit. Mine they asked value of my stuff and a bunch of questions about the building. You generally have to pay a deductible in order to receive a claim payout for a sewer backup claim. Get the cheapest option that fits everything they ask on the phone. Working with the insurance experts for renters definitely beats trying to cut and paste a policy document.

To have a charge of 94 is quite a bit for this limited coverage. Second i have replacement insurance for things like water damage fire theft etc. Level 1 1 point 10 months ago. Two story townhouse north carolina no kids mid 20 s.

It s completely a cost vs. With all the hurricanes i figured i should make sure i m being properly protected i m in maryland so not actively worried about an immediate threat. Call effective coverage today at 800 892 4308 for more information on water backup endorsements and renters insurance in general. I have water sewer backup coverage but not flood insurance my policy has a 50k water sewer and backup coverage but no flood coverage.

What are everyone s opinions on these. Shop around to a couple places and have a close look at these water limits usually this is the main differentiator between carriers. Renter s insurance covered that. I would request that your roommate split it with you.

Any water that backs up through your bathtub or toilet or pipes can be water backup in my experience 5000 with a 1000 deductible is a low limit. Water backup coverage costs anywhere from 30 70 annually for 5 000 of coverage and 25 35 for each additional 5 000 in coverage that you add to your policy according to fabio faschi property and casualty team lead at policygenius. Given the fact renters insurance is usually pretty cheap anyway it may be worth it just to have that extra coverage. What are they generally good for.

It also covers me if someone slips and falls on the property and sues me. Even on the 2nd floor the. I had 2 options both had everything the same except one did new replacement where anything lost gets covered at the price of brand new. My only belongings are in my room on 2nd.

Level 1 1 point 10 months ago. Renters insurance usually comes as a package so you don t get to choose liability amount or hotel coverage.