Tag: renters

Renters insurance through Red Rock Insurance, serving Las Vegas, NV, is a great asset that you can fortify by keeping meticulous records. No matter where you live, but especially Nevada, where wildfire risk and occasional flash flooding add extra layers of concern for renters, having a clear record of what you own can help matters if you need to file a claim.

Start With a Room by Room Inventory

Walk through your apartment or rental home and record everything of value, room by room. This includes furniture, electronics, clothing, kitchen equipment, and anything else that would need replacing after a loss. A written list helps, but a video walkthrough works considerably better. Narrate as you go, mentioning brand names and approximate age where you can recall them.

Keep Receipts and Serial Numbers Somewhere Safe

Receipts confirm ownership and often establish value more clearly than an estimate ever could. Serial numbers are relevant for electronics and appliances, since insurers frequently ask for them during a claim. Store these records somewhere other than the rental itself. If the apartment is damaged or inaccessible, physical paperwork stored inside it won’t do much good. A cloud folder or an email sent to yourself works great.

Update the Inventory as Your Belongings Change

An inventory from three years ago won’t reflect what’s actually in your rental today. Set a reminder every six months or so to add new purchases and remove anything no longer owned.

Photograph Valuables Individually

Individual photographs of higher value items, like jewelry, musical instruments, or specialized equipment, give an adjuster a lot to go by when determining value. Nevada’s dry climate also means dust and sun exposure can affect certain belongings over time, so noting condition alongside these photos adds another layer of protection.

Need help with your renters insurance? Contact Red Rock Insurance, serving Las Vegas, NV, for help with a new policy, making a claim, or for general questions.

Standard renters insurance covers a wide range of things, but unfortunately, it doesn’t cover losses from bedbugs or other types of vermin or pests. Standard renters also doesn’t cover your belongings damaged by bedbug infestations. However, a newer comprehensive renters insurance policy offers very limited coverage for bedbug remediation and some contents replacement. At Red Rock Insurance serving Las Vegas, NV, we’re familiar with the type of damage done by unwanted pests and why someone would want insurance coverage. Here’s a look at how to handle damage from bedbugs and more.

Rodent and Pest Damage Isn’t Covered by Renters Insurance

Damage caused by rodents and pests isn’t covered by standard renters insurance due to liability issues. Technically speaking, you’re not the party that’s responsible for bugs and critters getting into your home. Instead, insurers place the blame squarely on the property owner because they’re the ones responsible for maintaining the building.

Why Standard Renters Insurance Doesn’t Cover Bedbug Damage

Landlords have a responsibility to keep their property free from pests and vermin. An infestation happens due to poor maintenance, and insurance is designed to cover unexpected losses. Damage by rodents and bugs is a gradual process, something that’s usually visible long before it becomes a problem. If your property is unusable or otherwise damaged by bedbugs, your landlord is responsible for its replacement. Your landlord may carry insurance that covers damage caused by bedbugs, and you can work with them to make a claim.

Call Us to Learn More About Your Renters Insurance Options

At Red Rock Insurance, we’re here to help you understand what a renters insurance policy will and won’t cover. Even though standard renters insurance doesn’t cover bed bug damage, it does cover a lot of other perils and calamities, like injuries that happen in your home, stolen items from your vehicle, and defamation claims. Call us at our office serving Las Vegas, NV, to speak to an agent. Learn more about how standard and comprehensive renters insurance can protect your belongings and liability.