We have recently had an issue where the renters' insurance carrier said they wouldn't cover damages because the issue didn't start in their clients' apartment, but in another adjoining apartment home. Has anyone else had this challenge? It happened to have been Nationwide, but it could be a function of the policy type and not the company.
I've been told by companies like ePremium, Renters' Legal Liability, and SafeRent that primarily deal with renters/landlords that you want a company that specializes in this kind of insurance for that reason, that they cover the risks that renters are more likely to face...I am not sure that the others (State Farm, Nationwide, etc.) don't; I just know that's the "specialists' claim."
So we try to encourage our residents to go through ours. Plus it integrates with our PM System!
Would LOVE renters' insurance providers' comments on this topic!