I need help???

Question

How can I find out a property insurance carrier?

I need to find out who is my apartment complex insurance carrier is. My car back window was broken, the office said someone got a bb gun for christmas. Does anyone have any ideas.

Answer 1

??? There are thousands of them. Do you have the name of the one you are looking for??

If you aren't looking for one in particular, a local agent can help match you up with one that suits your needs.


*** It doesn't MATTER who their insurance carrier is, they won't pay for damage to your car, and they won't pay for any items stolen out of it - they aren't RESPONSIBLE for them! Your broken window should be covered by the comp coverage on your auto policy, if you have it, and the stolen items would be covered by your renters policy, if you have it. The standard renters policy, HO4 form, covers your personal property anywhere in the world. There are limitations for portible music/video equipment and media.

Landlords are NOT responsible for tenant's property, or vehicles parked on their premises. It would be like me coming over to visit you, having my purse stolen while walking up to see you, and demanding YOU to pay for it. Silly.

Anyway. The name of their property carrier is protected by the privacy laws. But it won't help you anyway, as you can't file a claim on their policy - only the policy owner can file a claim, and only the policy owner gets paid. Don't believe me? Call one of those "free consult" lawyers in your area and ask them.**


**Liability doesn't cover deliberate illegal acts, so someone's liability coverage ISN'T going to cover vandalism to your window. Sorry.***

Answer 2

I agree with the answer given by mbrcatz17.

But I will add something.....if you haven't filed a police report, you should do so and tell the cops WHO you think did it. It doesn't matter if you know for sure, but it gives them a lead to follow up. Who knows, it may be correct and if it is.....

Then YOUR auto insurance company can subrogate against the person who vandalized your car if they paid out anything under your comprehensive coverage.

But to answer your question, the only way to find out the insurance carrier for your apartments is to ask the apartments who their carrier is. But it doesn't matter, they are not responsible for YOUR property--only YOU are.

Answer 3

If you can find out who shot out your window (good luck proving it) you can get reimbursed from their liability coverage (if they have any). If you file it under yours, you have to pay your deductible and risk an increase at renewal for filing a claim. Also, your vehicle contents that are not physically attached to the vehicle are not covered without a personal property inland marine floater on your renter's policy (which you may or may not have). Read your policy and check with your agent to see if you have this. If you don't have any insurance of your own, get ready to pay out of your pocket.

Answer 4

Go on line and seach state farm or type in your area of your local , and insurance agents, they all handle property insurance so it should not be that hard . Now flood Ins is a different story altogether!!