What does tenant insurance cover?

Tenant insurance covers personal belongings against risks like theft, fire, and water damage. It also includes liability coverage for accidents causing injury to others or damage to their property, additional living expenses if you're temporarily displaced, identity theft protection, and sewer backup coverage.

How can I purchase tenant insurance through Key Grounds?

You can purchase tenant insurance 24/7 through Key Grounds' partnership with Mello Insurance. Visit the provided link, use the code 'KEYGROUNDS', and complete the process online quickly and efficiently.

What are additional living expenses in tenant insurance?

Additional living expenses cover costs incurred if you're forced out of your home due to events like fire or water damage. This includes expenses for temporary housing, meals, and other necessary costs while your residence is uninhabitable.

Does tenant insurance cover identity theft?

Yes, tenant insurance can cover expenses related to identity theft, including legal fees, professional services, and even loss of income resulting from the identity theft incident.

How does liability coverage in tenant insurance work?

Liability coverage protects you if someone is injured in your rental unit or if you accidentally cause damage to someone else's property. For example, if a delivery person slips in your apartment or you accidentally overflow your bathtub causing damage to a neighbor's unit, liability coverage can help cover the associated costs.

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Additional Living Expenses

You're feeling inspired by your inner chef, but end up setting fire to half your kitchen and living room. Your insurance policy will pay the extra costs you incur living at a temporary location if you are forced out of your home for any reason.

This will cover all your personal belongings, AKA your "stuff" in case of theft, fire, water damage, or pretty much anything else that could happen. From your collection of shoes to that vintage guitar you never play (but definitely will ... someday), your contents are all the things you've bought, meant to re-gift and borrowed but forgot to return to a friend.

Identity Theft

If someone, let's call them "that guy," steals your identity, your policy coverage will kick in to cover most expenses you will incur due to the damage that was caused. This includes everything from legal fees to professional fees charged by lawyers or notaries to defense costs and even cover loss of income! The coverage even extends to your spouse, children under 21, and relatives living in your home.

Liability

As the saying goes, accidents happen. For instance, if the delivery guy slips and injures himself, your insurance policy will extend to cover liability claims. It will also cover you if you lose track of time and accidentally let your bathtub overflow, damaging the unit below you.

Sewer Backup

Gross right? Your insurance policy will cover losses from the backing up of sewage into your home or damage caused by water escaping from appliances or a pipe that bursts.

Quickly, Easily, Online

From viewing your insurance policy, making changes, checking payments, and reporting a claim, you can do it all with your Mello Insurance account. In minutes, from anywhere, using any device, we make it all simple!