Renters and Landlord Insurance

What's covered by a renters insurance policy?

• Theft

• Vandalism

• Fire

• All of the above

Renters insurance personal property coverage does not include which of the following?

• Clothing

• Furniture

• Automobiles

• Electronic Equipment

Which is the best way to save on your renters insurance premiums?

• Decrease your deductible

• Apply for a multi policy discount with your current insurer

• Increase your deductible

• Increase your policy limits

Which of these hazardous conditions are not covered by a standard renters policy?

• Hail damage

• Flood damage

• Wind damage

• Fire damage

Which of the following hazards can be covered by special endorsements on your policy?

• Floods

• Earthquakes

• Hurricanes

• All of the above

Which of the following can renters insurance liability coverage protect you against?

• An at fault auto accident in the parking lot outside your apartment building

• Accidental bodily injury suffered by someone who is a guest at your home

• Intentional damage you have done to someone else's property

• Loss of your property in a fire

Who needs renters insurance?

• College students living off campus

• Seniors in assisted living homes

• Large families

• All of the above

How do deductibles affect claim payouts?

• They don't

• Deductibles are added to payouts

• Deductibles are subtracted from payouts

• None of the above

How should you determine the limits of your policy?

• An educated guess

• Trust your agent

• Take an inventory

• Look at your neighbor's policy

How can landlords ensure their tenants are insured?

• Ask them politely

• Write it into the lease

• Sue them

• All of the above