My landlord claims that I have damaged the apartment and is keeping a part of my security deposit. Will the Lufkin, Texas renters insurance cover this loss?

If you have a renter’s insurance policy for the apartment you rent in Lufkin Texas, you are covered for some of the same things as a homeowner would be covered for under a home insurance policy. As renter, you do not own the building or apartment in which you live.

As a tenant, you do not have the same responsibilities as homeowners have for insuring their property. Your personal possessions are not covered by your landlord’s insurance policy and your landlord’s insurance will not protect you against personal liability claims that may occur within the walls of your apartment.

When you first rent an apartment, the landlord is always very nice and friendly. When it comes time to move out and you ask for your security deposit back, your landlord may not be so friendly. If your landlord claims that you have damaged the apartment and decides to withhold some of your security deposit, you can not file a claim with your renter’s policy to recover the amount of money you lost.

As a renter, your renter’s policy covers all of your personal possessions. It does not cover a hole you put in the wall or the stains you left on the carpet. Your landlord has a right to withhold some or all of your security deposit as long as he can prove that the damage was caused by you or other people you allowed into the apartment.

Of course you have the right to challenge his decision to keep your security deposit. You could take him to Texas small claims court if you believe he had no reason to keep some of your money. Both you and your landlord must abide by the terms of the rental agreement or lease. It will usually state the reasons that could result in forfeiture of all or some of your security deposit.

As your independent agent here in Lufkin, Texas, we encourage all people who rent to carry insurance to protect their personal possessions. While you might not realize it, the average renter owns personal property that could easily cost more than $10,000 to replace.

Please give us a call and an independent agent can show you how for less than $20 per month, you can have the insurance coverage you need. Renters insurance can cover your personal possessions, provide liability coverage and even pay for temporary housing in an emergency situation.

If Someone Breaks Into my RV and Steals Everything, Will My RV Insurance Cover My Stolen Items in Lufkin, Texas?

Break-ins are a problem, regardless of if your home is an RV or a house. When personal belongings are stolen from your RV in Lufkin, Texas, you may be covered for the loss of your items.

Evaluate Your Policy

Although some insurers may offer protection for personal belongings, the amount of coverage and the details of your policy can reduce the amount that you are provided. Read your policy and evaluate the information to determine if you are covered and how much is available.

Do not be confused by the terminology. Some insurers may pay for the replacement cost while others pay for the current value of the item. If the insurer pays for the replacement cost, then you will receive the amount that it would cost to buy the item new.

Provide Appropriate Proof

Your insurer may cover your personal belongings, but you must prove that you owned the item and that it was stolen. Provide appropriate proof by making a formal police report and asking for a copy for your records. Send a copy of the report to the insurer and provide details regarding the replacement value of the item.

Provide pictures to prove the damage to your RV and give pictures before the break-in occurred of the items that you claim were stolen. Receipts can also help prove the value of the item, so you can obtain an appropriate replacement amount.

Insurance coverage for your RV may provide coverage for stolen objects, but you must provide the appropriate proof when you are making a claim. Depending on the details of your policy, the amount that you receive may vary. Contact us to talk to an independent agent to learn more about your coverage.

I Have Specifically Insured Antique Items Listed on my Homeowner’s Insurance Policy in Lufkin, Texas. If I Have a Total Loss, Would the Home Insurance Company Pay me Their Insured Value?

When you purchase an insurance policy for your antique items, you are taking steps to protect the item from a loss in your homeowners policy. Although every policy is different and the details of your plan may vary, many insurers will allow you to make a claim on the items for the full insured valued in Lufkin, Texas as long as the items are identified as a total loss by the appropriate individual or group.

Deductible and Amounts

If you have a deductible on your insurance policy for the antique items, then it may be possible that you will receive less for your claim than you expect. Many insurers will provide the coverage amount on your home or the items in your house after subtracting the deductible.

Depending on the antique items and the amount of insurance that you purchased, the total funds that you may expect after a deductible is paid can vary.

Providing Proof of Loss

Even if your home is classified as a total loss after a fire or a similar event, you may need to provide proof that the item was in the house at the time of the fire or that you lost the item in the event. A police report and a report from any other authorities may provide proof of the loss. Some insurers may also send a team of professionals to evaluate the situation before you are provided funds.

The details of any home insurance policy can vary. Depending on your coverage, you may or may not receive as much as you expect. Contact us to talk to an independent agent to learn more about protecting your antiques.

During a storm, a tree from my neighbor’s yard fell and destroyed my fence. Does my homeowner’s policy pay for the damage or does my neighbor’s policy in Lufkin, TX?

Usually, your homeowners insurance will pay for damage to your fence if a tree falls from your neighbor’s yard in Lufkin, Texas. Most homeowners believe that the responsibility for damage would fall on your neighbor, but unless you can prove the tree was damaged and unstable before the storm, your homeowners plan will be responsible for the repairs. You can speak with an independent agent about how to make a claim with your home protection plan.

Often, during storms, trees will topple and cause major damage either on your own property or the property of your neighbor. It is not your fault and it is not your neighbor’s fault, but someone will need to not only clean up the mess, but also make the repairs. Your homeowner’s insurance plan will take care of the damages up to a specific amount. You will also need to pay a deductible which will affect how much money you receive from your claim.

Although most people worry that making a claim on their homeowner’s insurance policy will raise the rate, your independent agent can help make sure you have adequate coverage for a price you can afford. Ask your agent to compare rates and quotes in Texas to find a policy that gives you the protection you need for a price you can afford. If you have to make a claim with your insurance to fix your fence and remove the tree, provide quotes to your homeowners plan and make sure you retain a good relationship with your neighbor. Your home is your palace; make sure you take care of it.