You may have to prove you've suffered a loss covered by your policy before we pay for it. If you make a claim under your policy, we may ask for one of the following:
- Credit card or bank statements
- Purchase receipts
- Instruction manuals or handbooks included with the purchased items
- Guarantee or warranty certificates
- Photographs or videos of the items
Your renters policy may include Temporary Living Expense. To the extent your policy coverage allows, we can help arrange or reimburse you for temporary living arrangements if your home is not fit to live in. Certain conditions apply. Please discuss this with your QBE Claims Professional. Please keep all receipts for any additional living expenses for reimbursement consideration.
A deductible is your financial portion of a covered loss. The settlement of your claim is based upon the estimated amount of covered damage, less your deductible and applicable depreciation. If the damage amount is less than your deductible, you will be responsible for the entire cost of the repairs or replacement.
Depreciation is a reduction in the value of the item due to its age, wear, and/or market conditions. If your policy has Replacement Cost coverage, you are eligible to recover up to the full depreciated amount withheld once the item is repaired or replaced. The amount of depreciation due is based upon the actual cost of repairs for the covered damage.
No. The landlord’s insurance policy should cover the physical building for property damage from the specified perils. However, the landlord’s policy will not cover your belongings inside your apartment. Typically, a renters policy includes liability coverage (where you are found to be legally liable for injury to other or for damage to others property) and protection for your belongings. Please review your policy or contact your agent for more information.