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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. My Insurance Expires 12:01am on 1st, When do I pay?
  2. Insurance Expired now what?
  3. Do I have to keep Renters Insurance active?
  4. What does Renters Insurance Cover?
My Insurance Expires 12:01am on 1st, When do I pay?
Great Question you should pay before the 1st. Now when you wake up or when 12:01 am happens on 1st you are not covered for Insurance.  

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Insurance Expired now what?
So your Insurance expired or got cancelled for non payment. Call us at 972 820 7000. We'll examine the reasons and our team will explain the options to you. Don't drive without Auto Insurance. Keep your Home and Renters Insurance up to date. If you are at work email us at Insurance@Streamless.com.

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Do I have to keep Renters Insurance active?
Renters Insurance either you are renting apartment, condo, home must be kept active as long you are leasing space from your landlord. It is not the home owner, landlord or management team to keep your renters insurance policy active. It is upto tenant, a person who pays rent for space. Claims, issues can rise anytime. While you are home or on vacation. Keeping Rentes Insurance active at all times is important. Call us at Streamless Insurance 972 820 7000 with more questions or Free Quote.

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What does Renters Insurance Cover?
Think of everything you own. The value of your belongings can quickly add up. Personal property coverage, a typical component of renters insurance, may help cover the cost of replacing your stuff if it's unexpectedly damaged or ruined. That protection generally applies to certain risks (also referred to as "perils"), such as fire and theft. So, if your computer and television are stolen, or your furniture and clothing are destroyed by a fire, this coverage may help you pay for the cost of replacing them. It's important to know that coverage limit- the maximum amount your policy will pay for personal property losses — will apply. Read your policy carefully or contact your agent at Streamless Insurance at 972 820 7000 for information on what may or may not be covered.

Liability Coverage

 

Liability coverage is another protection typically offered in a renters insurance policy. This coverage may help protect you from paying out of pocket for certain costs if you are found legally responsible for injuries to other people or damage to their property.

You probably don't expect an accident to occur, but if, for instance, your child throws a ball through a neighbor's window or you're held responsible for medical bills after a guest trips and falls over something in your home, liability coverage may help cover the costs.

As with other coverages, limits apply to the amount a policy will pay out after a covered loss. Read your policy to brush up on how much coverage it provides and make sure it fits your needs. Your insurance agent can help you adjust the limits if you decide you may benefit from additional coverage.

Additional Living Expenses

 

If you're renting a house or apartment, you typically have a place to call home until your lease expires. But what if your rented home were to be damaged by fire, for instance, and you were unable to live in it? That's where renters insurance may help.

Renters insurance usually includes coverage for additional living expenses, says the III. This coverage may help pay for additional costs you incur, such as hotel bills, or for the increased costs you incur on food that are above the amount you would typically spend, because you are unable to live in the home you're renting. Check your policy to learn how much coverage you have in place for additional living expenses and to review the risks your policy may cover.

 

Other Considerations

 

Before renters insurance kicks in to help pay for a covered loss, you'll likely need to pay a deductible, the III says. The amount of your deductible is often tied to your premium (the amount you pay your insurance company to keep your policy in force). You'll typically find that the lower your premium, the more your deductible may be for each covered loss. Your deductible and premium are listed in your policy and may be adjusted based on your budget and needs. Your agent can help you make changes to your policy.

While renters insurance may help protect you in important ways, it's important to know that it typically does not cover the physical building you're living in. Landlord insurance is designed to help protect the owner's dwelling, while you, the renter, are usually responsible for protecting the belongings you keep inside. Similarly, while landlord insurance may offer liability protection for the policyholder, that protection typically does not extend to tenants.

Having certain insurance coverages in place may not only help protect you and your stuff. Renters  insurance may also give you the peace of mind that comes with knowing you have a safety net in place — just in case.

Call 972 820 7000 for Free Insurance Quote.



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