Domestic violence situations can leave you facing medical bills, property damage, and financial hardship. While renters insurance cannot help with every consequence, certain parts of your policy may provide support. If you live in Dover, NH, it is important to understand what your coverage can and cannot do.

Medical Expenses and Renters Insurance

Renters’ insurance does not cover medical expenses for people who live in the home. Medical coverage in a renters policy is intended for guests who are injured on the property, not for residents. Because of this, renters’ insurance will not help pay for hospital bills related to domestic violence injuries.

Coverage for Stolen or Damaged Property

Renters’ insurance may help replace belongings that are stolen or damaged. However, coverage becomes more complicated when the person responsible for the damage lives in the home. Some policies exclude losses caused by a household member, while others may offer limited protection.

If your property has been damaged or stolen, you should first contact local law enforcement to file a police report. After that, speak with an agent at Gateway Property and Casualty to learn how your specific policy handles these situations.

Loss of Use and When It Applies

Loss of use coverage helps pay for additional living expenses when your home becomes uninhabitable due to a covered event. Unfortunately, this coverage does not apply if you choose to leave your home because you feel unsafe. Loss of use only applies when civil authorities declare the residence unsafe due to a covered peril, such as a fire or severe storm.

Understanding these limitations can be difficult, especially in emotional or stressful situations. The agents at Gateway Property and Casualty are available to explain how your renters’ insurance may help and what steps to take next. We proudly serve the Dover, NH area. Contact us today for guidance.