Renter insurance FAQs

More than half of the renters in the United States don’t have renters insurance. It is surprising since it is inexpensive and provides some critical coverage. At The Insurance Shop USA in Sandpoint, ID, we are an independent insurance agency with a team of experienced agents. We do the work of finding the best options for your insurance needs. If you have questions about renters insurance, we can help explain why it might be a good choice for you. 

Doesn’t my landlord have insurance?

Most likely, your landlord has home insurance on his property, but it doesn’t help you. It only covers what belongs to them. It is not designed to cover anything that belongs to you. 

Will renters insurance cover my personal possessions?

Yes, renters insurance will cover your personal possessions both while they are in the rental and when you take them away from home with you. You can choose how they are covered, at replacement cost or current value. Current value takes depreciation into account. 

What happens if my rental is damaged?

Your landlord’s insurance will pay for the repair of the unit itself. It may take a while. In the meantime, your renter’s insurance policy should provide you with the money you need to find a place to stay in the interim and also for some meals. Usually in a hotel for a little while and then a temporary rental with it is going to be months. 

Is my dog covered? 

The answer is yes unless it is one of the excluded breeds. Some dogs are considered so dangerous that they are not covered if they bite someone or attack another dog. 

In Sandpoint, ID, you can count on The Insurance Shop USA to have the information you need to make an intelligent renters’ insurance decision.