Category: Home Insurance

I Rent Out a Room In My Home. Are My Tenants Covered Under My Home Insurance Policy Or Do They Need Renters Insurance?

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As inflation has increased, people are looking to find ways to have more money coming in. You may have decided to rent a room out in your home to help pay for your mortgage.

Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA area, we are often asked about this scenario. If you rent out your entire home, you need landlord insurance, but if you are just renting out a room, you may be unsure of what insurance you need and whether your tenant or tenants are covered under this policy. 

If I Rent Out a Room In My Home, Are Tenants Covered By My Home Insurance Policy? 

Tenants are never covered under your home insurance policy, regardless of whether you are renting out one room or your entire home. Home insurance policies help to protect the belongings of the homeowner and their immediate family only. 

What Types of Insurance Do I Need If I Am Renting Out a Room? 

If you are renting a room out in your home, you may need both a home insurance policy and a business insurance policy or landlord policy, depending on how much money you are making and how long the tenant plans to stay in your home. An insurance agent can help you determine what you need based on the specifics of your situation. 

Contact Us Today

If you have decided to rent out a room in your home, you may need a different type of insurance policy to help ensure you are fully protected. Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA region, we can sit down with you to discuss your situation and then help you come up with the right insurance products for your needs. Reach out to us today to get started. 

Read More

As inflation has increased, people are looking to find ways to have more money coming in. You may have decided to rent a room out in your home to help pay for your mortgage.

Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA area, we are often asked about this scenario. If you rent out your entire home, you need landlord insurance, but if you are just renting out a room, you may be unsure of what insurance you need and whether your tenant or tenants are covered under this policy. 

If I Rent Out a Room In My Home, Are Tenants Covered By My Home Insurance Policy? 

Tenants are never covered under your home insurance policy, regardless of whether you are renting out one room or your entire home. Home insurance policies help to protect the belongings of the homeowner and their immediate family only. 

What Types of Insurance Do I Need If I Am Renting Out a Room? 

If you are renting a room out in your home, you may need both a home insurance policy and a business insurance policy or landlord policy, depending on how much money you are making and how long the tenant plans to stay in your home. An insurance agent can help you determine what you need based on the specifics of your situation. 

Contact Us Today

If you have decided to rent out a room in your home, you may need a different type of insurance policy to help ensure you are fully protected. Here at ANA Insurance Brokerage Inc., serving the greater Southgate, CA region, we can sit down with you to discuss your situation and then help you come up with the right insurance products for your needs. Reach out to us today to get started. 

Technology Tips for Maintaining a Home Inventory

Posted on by adminPosted in Home InsuranceTagged ,

When you’re taking a home inventory for insurance purposes, ANA Insurance Brokerage knows that there’s a lot to keep in mind. These technological tips can help Southgate, CA residents complete their inventory more easily.

Take Pictures of Everything

From receipts to items, snap a picture of anything you value to help you when filing insurance claims. Sort the pictures into folders based on the type and give them recognizable file names to make it easier to search for a particular item. High quality pictures can start to take up a notable amount of space on a computer, so use a compression tool to shrink the pictures’ folder for storage after you’re done.

Use a Task Management App

Task management apps can help you keep on track while taking your home inventory. You can list out the items that you know you need to track, keep a separate list for the items, and mark off tasks as they’re completed.

Store Online and Offline Backups

Like any form of insurance, redundancy brings benefits. Putting your pictures and list on an online storage service makes them accessible from any device. If you’re worried about someone accessing the files, you can add a long, randomized password to a zipped file to make it difficult for prying eyes to get into it.

If the service goes down, you forget your password, or some other circumstance prevents you from getting to the online backup, an offline backup in a zip drive locked in your safe or another secure location is slightly less convenient but still valuable.

Email Your Insurance Agent

When you have questions about the best way to take your inventory, Southgate, CA residents can contact ANA Insurance Brokerage online for fast access to information based on your situation.

Read More

When you’re taking a home inventory for insurance purposes, ANA Insurance Brokerage knows that there’s a lot to keep in mind. These technological tips can help Southgate, CA residents complete their inventory more easily.

Take Pictures of Everything

From receipts to items, snap a picture of anything you value to help you when filing insurance claims. Sort the pictures into folders based on the type and give them recognizable file names to make it easier to search for a particular item. High quality pictures can start to take up a notable amount of space on a computer, so use a compression tool to shrink the pictures’ folder for storage after you’re done.

Use a Task Management App

Task management apps can help you keep on track while taking your home inventory. You can list out the items that you know you need to track, keep a separate list for the items, and mark off tasks as they’re completed.

Store Online and Offline Backups

Like any form of insurance, redundancy brings benefits. Putting your pictures and list on an online storage service makes them accessible from any device. If you’re worried about someone accessing the files, you can add a long, randomized password to a zipped file to make it difficult for prying eyes to get into it.

If the service goes down, you forget your password, or some other circumstance prevents you from getting to the online backup, an offline backup in a zip drive locked in your safe or another secure location is slightly less convenient but still valuable.

Email Your Insurance Agent

When you have questions about the best way to take your inventory, Southgate, CA residents can contact ANA Insurance Brokerage online for fast access to information based on your situation.

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