Home » Guides

Would Bicycle Damage Go Under Renters Or Automobile Insurance

When you renters insurance, you’re usually covered for damage done to your property by others, such as a tenant who damages the apartment. Automobile insurance, on the other hand, is designed to protect you from damages you cause to other people or their property while driving your car.

Bicycle Damage

Bicycles are considered personal property in the eyes of many landlords and renters alike. This means that if your bicycle is damaged or stolen while you are living in an apartment, it may not be covered by your auto insurance.
While this isn’t always the case, many rental companies have policies that cover damage done to bicycles inside the apartment complex. If you do not have coverage and your bicycle is damaged, you may be able to file a claim with your insurance company or landlord.
If you are a renter and your bicycle is damaged while it is outside of your apartment, you may be able to file a claim with your auto insurance company. If you are a landlord and your tenant’s bicycle is damaged while it is inside the property, you may be able to file a claim with them or their insurance company.

Automobile Damage

When it comes to automobile damage, renters may be less likely to be covered than those who own their vehicles. This is because renters are not typically the drivers of cars that are involved in accidents. In addition, rental vehicles may not have the same level of protection as vehicles that are owned by the person who is driving them.

If you are a renter and you are in an accident where your car is damaged, make sure to speak with your rental company about coverage. You may be able to get coverage if your car is considered a personal vehicle and it is registered in your name. If your car is not registered in your name or if it is not considered a personal vehicle, you may not be able to get coverage.

Which One Should You Go With?

If you are renting an apartment, bicycle damage might not be covered by your renters insurance. Automobile insurance may cover bicycle damage if it is your primary vehicle. If you are a driver, it is important to check with your insurance company to see if your coverage includes bicycles.

Conclusion

If you are a renter, bicycle damage might not be covered by your renters insurance. While bicycle damage is typically considered an automobil