保险公司会找我索赔吗？
- 主题发起人 orargent
- 开始时间
朋友帮忙问了他自己的保险公司，形势好象不太乐观，烦请大家再帮忙看看
括号内是他的保险公司的回答：
I have some questions about the home insurance for you.
1. At this moment, I have rental insurance. What is covered by this rental insurance ? I knew my personal belongs are covered. ( you have $30000 contents coverage (personal belongings) as well as $1000000 liability coverage which is if you cause damage to the unit or another unit )
2. If I rent a full apartment from some one, what insurance should I buy? Who is responsible for the liability insurance, tenant or property owner?( if you are renting the owner has to insure the unit as a rental and you as the tenant need renters insurance, both would have liability insurance, the type of claim would determine which insurance company would pay. )
3. What insurance should I buy if I buy an apartment instead of renting?
(If you buy an apartment meaning a condo you would purchase condo insurance. )
4. If I flood the apartment and cause damages to the properties of downstairs because of my fault or my negligence, which insurance will cover the damages? If I don't have such insurance and all the damages are compensated by the property owner's insurance, should I need to pay back to the insurer or is there any possibility that the insurer asks me to reimburse the cost it has paid to fix the damage?
(If you flood the unit below your insurance will pay for all resulting damages, if you did not have insurance the owner of the unit you are renting insurance would pay but they would then come after you personally for all costs incurred.)
5. Can a tenant buy the owner's insurance? I knew I could not buy the auto insurance if the car did not belong to me. (You cannot purchase owners insurance as you are not the owner, but with tenant insurance you are fully protected,I hope I have answered all your questions. )
括号内是他的保险公司的回答：
I have some questions about the home insurance for you.
1. At this moment, I have rental insurance. What is covered by this rental insurance ? I knew my personal belongs are covered. ( you have $30000 contents coverage (personal belongings) as well as $1000000 liability coverage which is if you cause damage to the unit or another unit )
2. If I rent a full apartment from some one, what insurance should I buy? Who is responsible for the liability insurance, tenant or property owner?( if you are renting the owner has to insure the unit as a rental and you as the tenant need renters insurance, both would have liability insurance, the type of claim would determine which insurance company would pay. )
3. What insurance should I buy if I buy an apartment instead of renting?
(If you buy an apartment meaning a condo you would purchase condo insurance. )
4. If I flood the apartment and cause damages to the properties of downstairs because of my fault or my negligence, which insurance will cover the damages? If I don't have such insurance and all the damages are compensated by the property owner's insurance, should I need to pay back to the insurer or is there any possibility that the insurer asks me to reimburse the cost it has paid to fix the damage?
(If you flood the unit below your insurance will pay for all resulting damages, if you did not have insurance the owner of the unit you are renting insurance would pay but they would then come after you personally for all costs incurred.)
5. Can a tenant buy the owner's insurance? I knew I could not buy the auto insurance if the car did not belong to me. (You cannot purchase owners insurance as you are not the owner, but with tenant insurance you are fully protected,I hope I have answered all your questions. )
