Renters’ insurance is often recommended to protect your belongings from unexpected events. But what happens if the items in your rental space aren’t actually yours? For example, what if you’re renting furniture from a company or living in a furnished space where the furniture belongs to the landlord? As with any type of insurance, there are nuances and complexities to consider. Let’s explore what you should expect when renting furniture and how Wine Valley Insurance Services in Napa, CA, can help you find renters’ insurance that meets your needs.

Does Renters Insurance Cover Rented Furniture?

If you’re renting furniture, whether through a rent-to-own agreement or a furniture rental company, your renters’ insurance policy will typically provide coverage. However, because this is a unique situation, it’s important to consult both your renters’ insurance provider and the company you’re renting furniture from to confirm coverage. This ensures you’re protected in case something happens to the rented furniture that is beyond your control. It’s always better to verify coverage than to assume you’re protected and face unexpected replacement costs.

What if you’re living in a furnished rental or your landlord has provided furniture? In this case, the furniture doesn’t belong to you, so it’s unlikely to be covered under your renters’ insurance policy. You’ll want to ensure the furniture owner has their own insurance coverage and confirm that you won’t be held responsible for damages outside of your control.

Find the Right Renters Insurance with Wine Valley Insurance Services

Not sure where to start when it comes to renters’ insurance? That’s where we come in! The team at Wine Valley Insurance Services in Napa, CA, is here to guide you through the process and help you find the right policy. Compare quotes today to get started!