How to Prove Renter's Insurance to Your Landlord

By Ashley Paskill on February 24, 2024

This article is brought to you by GradGuard. We protect college students and their families from the financial risks of college life, like providing a refund for tuition or replacing a stolen backpack when your school may not. When the unexpected happens, GradGuard’s tuition insurance and renters insurance can help you get back on track.

If you are renting a house or apartment off-campus, it is a good idea to have renter’s insurance, even if it is not required by your landlord. However, many landlords do require it because of things that could happen to your valuables. Renter’s insurance comes in various levels to protect your property, and you can pay for additional coverage as you see fit. You will need to show your landlord proof that you have the insurance and are actually keeping up with your coverage.

Get your  insurance

First things first: you actually have to get your renter’s insurance. There are different layers of coverage based on what you need and any additional you may want just for extra protection. Check your lease to see if there is a minimum that your landlord is requiring you to get. You may only need the bare minimum to satisfy your landlord. However, depending on the valuables you bring with you, you may want to purchase even more protection.

Take inventory of what valuables you have. Consider giving a copy of this list to your landlord when you give them proof of your renter’s insurance.

Image: Andrea Piacquadio via https://www.pexels.com/photo/crop-businessman-giving-contract-to-woman-to-sign-3760067/

When determining how much protection to purchase, be aware of the weather, climate, and safety of the neighborhood you live in. If your neighborhood is prone to burglaries, you may want extra protection. You can skip flood protection for areas where it does not rain as much. Ask around and try to get a sense of these things before buying coverage you do not need.

If you plan on having parties, whether big or small, consider getting insurance that has liability coverage. This way, if someone is injured on your property or someone tries to sue you, you are covered. Otherwise, you are responsible for their medical bills and the necessary repairs. Sometimes, things may happen where you are unable to be in your apartment while repairs are being made. Renter’s insurance helps you find a place to stay and covers the payment. You may also need pet coverage just in case your pet bites a guest.

Even if you have a roommate, it is better to have your own insurance. You never know if your roommate will move out or fail to pay for their share if you were to go half and half. Many policies do not even allow you to have multiple people on the policy and most landlords prefer each roommate to have their own coverage. Having your own is inexpensive enough that it will not break your budget. This way, you do not have to worry about losing your paperwork and you are guaranteed to have insurance since you are the one who is taking care of it for yourself. Similarly, you may not be able to use your parents’ policy to cover yourself. Check with their policy to see if you are covered or not.

Prove it

In most cases, you are covered as soon as you purchase the insurance. If you know ahead of time that you will need to purchase renter’s insurance to live in your apartment, you will be able to quickly do some research and find the best coverage for you. This way, you are not delaying coverage, especially if your landlord requires it. You can provide proof as soon as you obtain the coverage.

There are multiple ways that you can show proof of your coverage, which is crucial. Your landlord may outline this in the lease, but be sure to ask them directly if you are unsure or have any questions. You will either have to give proof either in physical copies or in a digital format. You may have to provide the declaration page. This page shows your name and how much is covered.

You may also want to give your landlord a digital copy. This method saves paper and it also allows you to save it directly to your own computer. Sending to your boss digitally can help you save a copy for yourself.

Your insurance agent may be able to confirm your coverage to your landlord. Make sure your landlord knows when they will be contacted so they can be prepared. You can also add your landlord to your policy as an interested policy under your insurance.  Other ways of proving your insurance coverage are verbal assurance of being covered and sharing the policy number and agency with your landlord,

Have a copy for your file

Be sure to keep a copy of your information for your own file. This way, if your landlord were to misplace your paperwork or the computer system were to crash, you would still have documentation that you were, and are, covered. It is also good to have a copy so you can access it if you need to actually use the insurance.

Renter’s insurance is important. If your landlord requires it, you have to show proof that you have it and luckily, there are several ways of doing so.

It’s no secret that college costs a lot of money. Make sure your investment in higher education is protected with GradGuard. Our affordable tuition insurance and renters insurance plans are specifically designed for college students. Customizable plans make it easy to protect your tuition, room and board, laptop, bike, and so much more.

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