Home owners Insurance

What is your renter's insurance IQ?

The National Association of Insurance Commissioners (NAIC) has created the Insure U–Get Smart About Insurance program to help consumers make educated decisions.  Test your insurance knowledge by taking the following insurance quiz. 

  1. What is renter's insurance?
    1. An insurance policy aimed at covering the landlord’s possessions or property.
    2. Insurance on a rented car or rented boat.
    3. Insurance that protects the insured’s belongings and provides liability coverage against damages, losses, and accidents that occur in a rented residence and under some circumstances, occurrences that occur away from the rental unit.
    4. There is no such thing.  If you rent, you and your possessions are covered under the property owner’s insurance.
     
  2. If you throw a party at your rented apartment/house and a guest causes damage to your apartment, who will be held liable for the damages?
    1. The guest.
    2. You and whoever else is on the lease with you will be held liable.
    3. The landlord.
    4. No one is liable because damage to rented property is not covered by any type of insurance policy.
     
  3. Which of the following actions can help keep your home/renter's insurance premiums as low as possible?
    1. Maintain a good credit history.
    2. Buying your auto and home/renter’s insurance from the same company.
    3. Buying or renting a home close to a fire station.
    4. All of the above.
     

 

Answers:  

1. Insurance that protects the insured’s belongings and provides liability coverage against damages, losses, and accidents that occur in a rented residence and under some circumstances, occurrences that occur away from the rental unit. 

2. You and whoever else is on the lease with you will be held liable.

3. All of the above.

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