Renters insurance in Pleasanton, CA covers a lot more than what people are generally aware of. At Miao Insurance Services, we want you to understand some of the nuances that come along with renters insurance. One of those nuances has to do with whether a renters insurance policy will cover things that aren’t specifically inside your home.

What Are Personal Belongings Outside the Home?

A renters insurance policy covers personal belongings. When you rent, your personal belongings aren’t always necessarily inside your home. You may have a bike or something sitting outside, an item you keep in the backyard, and a device you frequently travel with or leave at the office on occasion.

Consider what happens when you bring your laptop with you, and it’s stolen from your car. Renters insurance can potentially kick in to cover the property in your vehicle or the property in other locations outside your home. This can also apply to situations involving your belongings under another’s possession for a period of time. For example, if you’re traveling and the airline loses your luggage.

Does Your Renters Insurance Cover Your Outside Property?

The extension of coverage can give you real peace of mind. However, outside general protection of belongings inside your home, not all renters insurance offers the same types of protection. If you’re not sure if your renters insurance covers your outside property, then take a moment to go over your policy terms or ask your insurance agent.

If your coverage doesn’t extend in quite this way, you can ask your insurer if they offer such extensions. In most cases, the options likely exist. If you want to know more about renters insurance and its ability to cover your property against perils outside the home in Pleasanton, CA, contact us at Miao Insurance Services. We will gladly help you figure out renters insurance that can work for your specific needs.