Frequently asked questions

Select a product below to see the FAQs

  • General Questions & Definitions

    • We can provide up to $35,000 in damage coverage for your rental car due to collision, theft, vandalism, windstorm, fire, hail, floor or any cause not in your control – covering everything from little bumps to full-on collisions. And unlike other Rental Car Insurance plans that make you file under your auto policy first, our plan serves as primary coverage for collision damage on your rental car. We also provide coverage if your rental car is stolen and not recovered.*

      Our Rental Car Insurance also includes coverage for Baggage and Personal Effects of up to $500 per policy.

      *There may occasionally be instances in which your personal car insurance company could still be notified, such as if you caused an accident that resulted in changes to your driving history report.

    • If you purchase this plan and are not satisfied, contact us within 10 days after the receipt of your policy at 855-PYB-TRIP (792-8747) to cancel. If you haven't already left on your trip or filed a claim, you will receive a complete refund.

    • Our Rental Car Insurance products are underwritten by Arch Insurance Company with an A.M. Best Company rating of “A+” (Superior).

    • Yes, as long as you buy before you get to the rental car counter. When the rental agent offers you insurance, simply decline their coverage – we don't have to be an approved vendor or partner for your coverage to be valid. Then file your claim with us rather than your personal insurance. Watch the video >

    • Good news – it isn't necessary for a company to accept our coverage, and you're not required to accept theirs, either. If a rental agent refuses to accept your Protect Your Bubble policy, call us at 855-792-8747 and a customer service agent will happily speak to them for you. Watch the video >

    • Travelers can purchase rental car insurance anytime prior to departure for your trip. You cannot purchase rental car insurance after you have picked up the vehicle.

    • When the rental agent offers you insurance, simply decline their coverage. Then, in the event of an incident, file your claim with us rather than your personal insurance.

    • Unfortunately you cannot purchase coverage after your departure. However, you can purchase coverage anytime prior to your departure.

    Plan

    • You can always view your plan by logging into MyBubble. Simply log into your account and select “View Plan.”  You can also call 855-PYB-TRIP (792-8747) and a customer service representative can ensure you receive a copy of your plan.  

    • Roadside Assistance costs $2.99/Per Day

    • Yes. Our plan covers your rental car worldwide.

    • The first 5 miles are covered, but there is a $2 fee per mile after.

    Coverage

    • While it is important for you to review your plan documents for coverage levels, limitations and exclusions, our Rental Car Insurance covers Rental Car Damage and Baggage. There is a $35,000 maximum limit per policy for rental car damage and a $500 maximum limit per policy for baggage and personal effects. 

      We are currently unable to provide Rental Car Insurance to cars rented in Jamaica, Republic of Ireland, Northern Ireland, Costa Rica, and Israel. Q What does your Rental Car Insurance cost?

      Our plan costs just $7.99 per day, with additional 24-Hour Roadside Assistance available for $2.99 extra per day.

    • You can contact emergency assistance services for Roadside Assistance when you are traveling 100 miles or more from your home. Services include towing assistance, battery services, flat tire assistance, fuel oil and water delivery service, lock-out assistance and collision assistance.  

    • You can use Roadside Assistance anywhere in the United States, Canada and Puerto Rico.

    Filing a Claim

      1. 1. Sign in to MyBubble and select your travel policy. Click “File a Claim.”
      2. 2. Select the appropriate claim form from the list. They have been organized by type of claim.
      3. 3. Print and fill out the claim form completely. Make sure you sign the form. To ensure the quickest processing of your claim, read the instructions on the first page of your claim form and note the required documentation that you need to include. 
      4.  4. Send your completed claim forms (along with receipts or other supporting documentation).

      Executive Plaza IV

      11350 McCormick Road, Suite 102

      Hunt Valley, MD 21031

       

      1. 5. For questions during the claims process, please contact us at 855-PYB-TRIP (792-8747).
    • Your claim must be submitted within 90 days after a loss occurs.

    • You can enlist services from a non-covered provider and we will reimburse you up to $100 per occurrence.

    • If you find yourself stranded or in need of help, call 855-PYB-TRIP (792-8747)

    • Claims must be submitted within 90 days after a loss occurs.

  • General Questions

    • Your phones, tablets, appliances and other electronics are often long-term investments, and can be very expensive and inconvenient to repair. Our extended warranty* Protection Plans are an affordable and easy way to protect them in case of everyday accidental damage (like drops, spills and cracked screens) and mechanical breakdowns (after the manufacturer’s warranty has expired). Because it's pretty unlikely that you'd be able to drop and damage your fridge or oven, our Appliance Protection Plans only cover mechanical breakdown (after the manufacturer’s warranty has expired). 

      Our plans are flexible, too – you can customize your coverage as often as you like by adding and dropping devices from your plan online, 24/7. 

    • We think that extended warranty programs should center around you, not just a specific device. Our Protection Plans are set up to be easy for our customers from start to finish – one online contract for all of your devices, one monthly bill and one convenient place to manage all of your protection needs. Our plans also provide significant discounts every time you add more devices to your plan, so you save more as you protect more.

      We understand that devices can be important in your daily life (and that they change often) so we make it easy to add and drop devices from your plan as you need, literally in seconds. Last, but not least, we want to get you reconnected quickly – that's why our claims process is set up to be as quick and painless as possible.

    • In most instances, your products are covered under your manufacturer's original warranty for a period of 12 months. However, these warranties don't cover accidental damage – like drops and spills – or provide other extras like power surge protection. Plus, once your manufacturer's warranty runs out, you're not protected against problems like mechanical or electrical failures that occur during normal use. With our Protection Plans, you can stay protected for all of these issues for up to three years (depending on when you signed up for protection for that device).

      We'll refer you to your manufacturer for items they cover as long as their warranty is still in effect. You'll be protected against items they don't cover 14 days after you purchase an extended warranty with us. Get started with a quote now.

    • A homeowner's insurance policy would only cover losses due to fire, theft or wind damage. Drops, spills and other events likely wouldn't be covered, and, in most cases, you may have to pay a deductible of $250+ (depending on your particular policy). The typical claims process for a homeowner's policy may not be ideal, either.

      And because we understand that your need for protection will change over time, we've made it super simple to add and drop devices from your Protection Plan, at no added cost – your homeowner's insurance policy may not be as forgiving.

    • We accept payments on a monthly basis. Payments may be made by credit card (VISA, MasterCard, American Express and Discover) or debit card. After your first purchase, we'll save your payment information for future devices you want to protect. If you add a new device, we'll just add the prorated charge for your first month to your existing bill, and continue with the full monthly charge going forward.

      For our Freedom Pop customers: your monthly payments are automatically added to your Freedom Pop bill. Simply pay that each month and you’re good to go!

    • MyBubble is our online account management portal for our customers. In MyBubble, you can:

      • View your protection plan details
      • Add and drop devices from your protection plan with just a few clicks
      • Change your personal information – your password, postal address and phone number
      • Learn how to file a claim and access claim forms

      You’re automatically registered for MyBubble when you buy your protection plan. Your login and password will be emailed to you after your first purchase – check your spam folders if you don’t get the email immediately. 

      To access MyBubble on return visits, simply use the “My Account” link in the top right-hand corner of our homepage to log in

    Plan

    • The cost of your extended warranty* depends on the type of product you are covering and its value. Start the quick and easy quote process to get a quote for the cost of covering your device. You'll get $1 off for adding a second device, and $2 off for every additional device you add. The more devices you add, the more discounts you get!

    • We want to cover the important electronic devices and appliances in your home – and we can pretty much cover them all. Start the quote process, select a product category and all eligible devices will be listed. If you don’t see your device, check some of the other related categories. If you can’t find your device, you can email us. We'll contact you as soon as possible with guidance on how to get your device protected.

    • Yes! In fact, that's what our program is set up for – covering all the important devices and appliances in your home. We want you protect multiple devices so badly that we'll give you $1 off your monthly premium for the second device you add, and $2 off the premium for every additional device after that. And you won't have to sift through tons of paperwork to keep track of all the devices you protect – they'll all be covered under one protection plan, for one monthly bill. And you'll be able to manage them all in one place online.

      If you've already covered a device with us under a Protection Plan, simply log on to add a device. It only takes a few clicks to add, and we automatically update your monthly bill. Your new device's first month's premium will be prorated to account for the remaining days in your current billing cycle.

    • Yes – your devices must be less than 3 years old in order to get protection.

    • Your devices can be covered for up to 36 months from their purchase date. Once they hit that date, they'll be automatically dropped from your plan and we'll update your monthly bill accordingly.

    • You can always view your plan online by logging in to MyBubble. You can get to MyBubble by clicking on the "My Account" link at the top right-hand corner of the Protect Your Bubble website. Your log-in credentials were emailed to you when you first enrolled in the program. Check your junk mail/spam folder if you never received an email with this information. If you have any issues logging in to view your plan, contact us at customersupport@protectyourbubble.com.

    • Yes! If you have already covered a device with us under a Protection Plan, simply log in to MyBubble to add a device. You can always get to MyBubble by clicking on "My Account" at the top right corner of the site. It only takes a few clicks to add a device to your plan, and we automatically add your new device's coverage to your monthly bill. You'll pay a prorated amount for the first month of your new device's coverage to account for the remaining days in your current billing cycle.

      Your MyBubble log-in credentials were emailed to you when you first purchased a Protection Plan. Check your junk mail/spam folder if you never received an email with this information. If you have any issues logging in to view your plan, contact us at customersupport@protectyourbubble.com.

    • Yes! Instead of repairing the same covered defective device a fourth time, we'll just replace the device for you (as outlined in the replacement provision of the terms and conditions). Failures like this that occur within your device's manufacturer’s warranty period, however, don't qualify for the no-lemon guarantee.  

    • No. Because your plan is paid for monthly, and is tied specifically to you and your credit card, it is not transferrable. However, if your device is less than 3 years old, another person can open a new Protection Plan and protect it until it reaches its third birthday.

    • Yes – you can cancel your coverage at any time and receive a refund as applicable. If you cancel your coverage within the first 30 days, and no claims have been paid, we'll refund your entire extended warranty* cost. For monthly plans, your coverage will last through the end of your most recent billing cycle after you cancel. After the end of that billing cycle, all subsequent billing and coverage will end. Refund methods vary by state – see plan terms and conditions for details.

      It's easy to cancel your plan. Simply log in to MyBubble, select your plan, click on the applicable device and select "Cancel My Policy."

      For our Freedom Pop customers: to cancel your policy, please do so via your Freedom Pop account or by calling (855) 703-5785.

    Coverage

    • Our Protection Plans (extended warranties*) cover mechanical or electrical failures that occur during normal use. They also protect you in the event of mechanical breakdown after your manufacturer’s warranty ends. Additionally, Protection Plans include protection from accidental damage (including liquid damage and drops) for phones, tablets, laptops, netbooks, digital cameras, camcorders and gaming systems. Your plan documents will clearly show whether accidental damage is covered for each of your devices.

      Additionally, your devices will be protected against power surges, lightning strikes and (for appliances like your fridge and freezer) food spoilage. If you received accessories with your device in the original device packaging and these accessories are damaged at the same time, we'll replace them as well. There's no limit to how many times you can claim on your plan.

      *Although the term “extended service contract” and “extended warranty” are used interchangeably, an extended service contract is not a warranty. A warranty is provided by a manufacturer and is included in the purchase price of the product. Extended service contracts (like our Protection Plans) cover repair costs for specific components but are not an extension of the manufacturer’s warranty. Please see terms and conditions for full details of coverage, limitations and exclusions.

    • Yes – protection against accidental damage like drops and spills is included for some products, like phones, tablets, laptops, netbooks, gaming devices and cameras. Your plan documents will clearly show if accidental damage is covered for each of your devices.

    • There's a 14-day waiting period on your extended warranty* before coverage begins. In other words, the coverage for a device will begin 14 days after your purchase your Protection Plan. This applies for every new device you add to your plan. 

    Filing a Claim

    • We don’t cover:

      • Cosmetic damage that doesn't affect the functionality of your device (cracked screens on phones and tablets do, which is why they're covered)
      • Pre-existing damage 
      • Intentional damage
      • Mechanical or electrical breakdowns that occur during the manufacturer’s warranty 
      • Theft and mysterious disappearance (loss)

      For a full list of exclusions and conditions, see the plan terms and conditions.

    • Yes. During your coverage term, you'll be reimbursed for up to $250 worth of spoiled food for each fridge or freezer that suffers a covered failure, such as a "no-cool" event.

    • No – cosmetic damages aren't covered. 

    • Yes – if we determine the need to reimburse you for the cost of your device, it will be for the device's full current retail value at the time of fulfillment. 

    • Take these steps to move through the claims process:

      1. Call us toll-free at 1-855-792-2355 (within 30 days of the covered damage occurring) to speak with a service representative. If you like, visit MyBubble before you call to make sure you’re fully prepped to file your claim.
      2. Provide the rep with the details of your claim – they’ll let you know if any further info or documentation is needed. If your claim is approved, they'll arrange for applicable repair or replacement.
      3. Pay your deductible, sit tight and let our speedy claims process do its thing! If you're filing for an appliance, there's no deductible payment necessary.
      4. If your phone or tablet needs replacing, we'll send you a replacement device within one business day, along with a pre-paid shipping container so you can send your broken device to us. If your device needs repairs, we'll send you a pre-paid shipping container within one business day so you can mail it to us to be fixed. If in-home service is required for a larger device, we'll contact you within one business day to schedule a service appointment that is convenient for you.

      Please note that, where applicable, if you fail to send your damaged device to us within 30 days, you will be charged up to the full retail amount for the replacement device and you won't be able to make any more claims on your Protection Plan.

    • Yes, for all devices other than appliances, you'll be required to pay a deductible. The deductible for claims on smartphones, iPhones, tablets, iPads and electronics valued at more than $200 are $50. Deductibles for claims on electronics valued at under $200 are $25. Deductibles for claims on Samsung touch-screen phones are $150. You can see deductible amounts for each of your devices in MyBubble. 

    • Proof of purchase may be required. You should keep a copy of your contract and the sales receipt for your covered item just in case they're required for you to obtain service.   

    • If you have filed multiple claims, more documentation may be requested from you. You may be required to provide a proof of purchase at the time of claim. Proof of Purchase means documentation, information or technology that identifies the purchase date, purchaser, make, model, device identifier and purchase price of the device. 

      You may also be required to provide a signed, sworn proof of loss which sets forth, to the best of your knowledge and belief the date, time and cause of loss and the specifications of the reported loss to the covered device. The proof of loss must be submitted within thirty (30) days of the request, or your claim may be closed. You may also be required to submit to an examination under oath as well as an examination of the covered device either by us or our authorized representative, if requested. You must cooperate with us in the investigation or settlement of the claim.

    • Once your claim is approved, we will repair or replace the covered device. Replacement may be with a new, refurbished or recertified device of like kind and quality. Your claim will be fulfilled using one of the following three options (varies by device type):

      1. Next-day replacement for phones and tablets – Our Next Day Replacement Guarantee provides assurance that if your claim is approved by 8pm and your device is in stock, you will receive it the following business day. If your device is not in stock, you will receive a check within 2 business days. If we do not meet these requirements for your claim, please contact us at customersupport@protectyourbubble.com with your name, policy number and claim number.
      2. In-home service – We will contact you within 24 hours of your claim's approval to schedule your in-home repair service as quickly as possible.
      3. Depot repair – We will send a package with prepaid shipping and packaging for your device. We will guarantee shipment of your repaired device within 5 business days of receipt at our repair facility.
    • If you receive a replacement device and it is different from the device you originally protected, log into My Bubble to update your account. In some cases, you will need to cancel the old device and add your new device to the plan. If there are no changes to your plan, we'll assume that your replacement device is the same model as your old one.

    • To check on the status of your claim, call us toll-free at 855-792-2355. We're right here in the US and are available to answer any of your claims questions. See this page for Call Center hours of operation.

  • General Questions and Definitions

    • Traveling can be a major investment, and no matter how much you plan, unforeseen events can still result in cancelled or rescheduled trips. Illnesses, accidents, job loss and natural disasters are just a few reasons why you may need to cancel or reschedule a trip. Travel Insurance also covers unexpected events that can happen during your trip – like an accident or major emergency that requires medical attention, or even emergency evacuation.

      When events like these occur, Travel Insurance can help cover your unused, non-refundable, prepaid travel expenses.

    • Payments to purchase a plan may be made by credit card (VISA, MasterCard, American Express and Discover) or debit card.

    • “Unforseen” simply means “not anticipated or expected” and occurs after you purchase your policy. .” Once it is reasonable that people traveling to an area would know about an event, it becomes foreseeable. For example, if the airline you are flying announces that they are going on strike, the event – and possible resulting cancellation of your flights – becomes foreseeable once they make the announcement. If you purchase your policy after the strike was announced, you would not qualify for coverage.

    • A pre-existing condition is an illness, disease, or other condition during the 60 day period immediately prior to the effective date of your coverage for which:

      1. 1. A test, examination or medical treatment was received or recommended
      2. 2. Prescription drugs or medicine was taken or prescribed. This does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before your coverage is effective under your policy.
    • You can always view your Description of Coverage and Policy by State by logging into MyBubble. Simply log in to your account and select “View Plan.” You can also contact our Customer Support Center and someone can ensure you receive a copy of your state-specific plan details.

    • Our Rental Car Insurance products are underwritten by Arch Insurance Company with an A.M. Best Company rating of “A+” (Superior).

    Policy

    • Your cost will depend on factors such as the type of coverage available, the age of travelers and length of stay. Start the free and easy quote process for more specific information concerning the cost of insuring your trip.

    • Because our Trip Cancellation coverage begins before you leave, it’s best to purchase Travel Insurance as soon as possible after you finalize your travel plans to ensure you’re fully covered.  

    • Typically you can purchase Travel Insurance up to the day of departure for your trip. 

    • Yes – however, note that some benefits are subject to policy maximums. If there are more than 10 travelers in your group, or if you need additional coverage limits, we recommend purchasing additional policies. Additionally, if the total trip cost is not equally shared by travelers, you may want to consider purchasing different policies.

    • If you purchase a plan and are not satisfied within 10 days after receipt of your policy, contact us at 855-PYB-TRIP (792-8747) directly to indicate your desire to cancel. If you haven't already left on your trip or filed a claim, you will receive a complete refund.

    • The plan lasts for one year from your effective date, and trips are limited to four (4) trips per policy period. 

    • This service includes assistance with rental carand airline reservations, access to our 24/7 Nurse Help Line, evacuation in the event of a political emergency situation, roadside assistance, medical and pharmacy referrals, dispatch of medicine and eye glasses, pre-trip assistance and more!

    Coverage

    • Generally, our Travel Insurance helps protect you when certain unforeseen problems arise that prevent you from going on vacation, cause you to reschedule your trip, cause Travel Interruption or lead to the loss/delay of your baggage. Our coverage also helps protect you in event of accident, illness and medical emergency while on vacation. Be sure to review your plan documents for specific coverage levels, limitations and exclusions.

    • Yes, but specific coverage for each varies by state. View a sample policy now to find out more information. 

    • Yes – during your trip, a 24-hour emergency hotline is available to assist you with various travel needs, including medical and legal referrals, emergency cash transfers, translation services and more.

      If the unexpected occurs, our customer service representatives will give you individualized attention and provide you with any claims forms needed. 

    • Pre-existing conditions are only covered under the Emergency Evacuation and Repatriation of Remains benefits. 

    • Before and during your trip, a 24-hour emergency hotline is available to assist you with various travel needs, including medical and legal referrals, emergency cash transfers, pre-travel advice, translation services, concierge services and more.

      If the unexpected occurs, our customer service representatives will assist you with any claims forms needed after your trip, as well as provide you with personal attention. Upon receipt of your completed claims forms, a dedicated claims agent will be assigned specifically to your case upon your return.

    • Yes – if you make additional arrangements prior to your departure date, a simple phone call to customer service at 1-855-PYB-TRIP (792-8747) will allow you to add coverage. If you need to extend the dates for your trip, you may do so by calling us prior to your scheduled return date; this feature is available on our Basic and Deluxe plans. 

    • "Cancel for any reason"* is built to help protect your pre-paid, non-refundable trip costs, such as cruise packages, tours and side trips against possible cancellations for any reason. Cancel for any reason covers up to 75% of your non-refundable trip cost. Please refer to your policy for details.

      *"Cancel for any reason" is not available to New York residents. 

    Filing a Claim

    • 1, Sign in to MyBubble and select your travel plan. Click “File a Claim.”
      2. Select the appropriate claim form from the list. They have been organized by type of claim.
      3. Print and fill out the claim form completely. Make sure you sign the form. To ensure the quickest processing of your claim, read the instructions on the first page of your claim form and note the required documentation that you need to include. 
      4. Send the completed claim form (along with receipts and other supporting documentation).

      Executive Plaza IV

      11350 McCormick Road, Suite 102

      Hunt Valley, MD 21031

      •  
      1.  5. For questions during the claims process, please contact us at 855-PYB-TRIP (792-8747).
    • Your claim must be submitted within 90 days after the covered loss occurs.

  • General Questions and Definitions

    • Most people’s belongings are worth more than they think. A better question is: “How much would it cost to replace everything I own”?

    • No – the landlord’s insurance generally covers only the building where you live. There is no coverage for your personal belongings or any personal liability coverage if you are negligent and legally responsible for causing bodily injury or damage to someone else’s property.

    • Most property managers are now requiring evidence of personal liability insurance when tenants rent an apartment. Personal liability coverage will pay for damage you may accidentally cause to the rental property as a result of fire, smoke, explosion and water damage. 

    • Personal liability coverage pays the community for damage caused to the rental property as a result of fire, smoke, water damage and explosion caused by residents.

      Many renters do not realize that they are financially responsible for damage caused to their rental property as a result of their negligence. For example, if you accidentally start a fire in your apartment that causes damage to the building, you are legally responsible for the damage.

    • We’ve partnered with Assurant Specialty Property to bring you best‐in‐class Renters Insurance products and services. Assurant Specialty Property handles all of the insurance underwriting, customer service and claims administration on our behalf. 

      Assurant Specialty Property is part of Assurant, a Fortune 500 company and a premier provider of specialized insurance products and related services in North America and selected other markets. Assurant, which is traded on the New York Stock Exchange under the symbol AIZ, has in excess of $30 billion in assets and $9 billion in annual revenue. 

    • Most customers find having their payments automatically deducted is easier. That’s why we automatically default to auto pay when you purchase your policy.  If you want to receive an invoice and pay your premiums at your discretion, as scheduled, simply call our Customer Service at 1‐800‐432‐8612 to change your collection method.

    • If you are an existing policyholder, visit www.myassurantpolicy.com 24/7 or call 1‐800‐432‐8612. Customer Service is available Monday through Friday from 8am to 8pm EST.

      If you're not an existing policyholder, please call us toll free at 1‐866‐918‐0331, Monday through Friday from 8am to 10pm EST and Saturday from 10am to 5pm EST

    • MyBubble is our online account management portal for policyholders. On MyBubble, you can:

      • View your policy details
      • Change your personal information – your password, postal address and phone number 
      • Learn how to file a claim 

      To get started, simply register your account with the exact details you used to originally buy your policy. To access MyBubble on return visits, simply use the “My Account” link in the top right‐hand corner of our homepage to log in

    • If you suffer a loss by a covered peril and your residence is not fit to live in, your policy covers either Additional Living Expenses or Fair Rental Value.  

    • It’s a waiting period set by the insurance provider. During this time, certain types of insurance, including Renters Insurance, can’t take effect. Moratoriums are usually established when a catastrophic event – like a hurricane or wildfire – is anticipated for an area. Call us toll‐free at 1‐866‐918‐0331 to determine if your area is under a moratorium.

    • ”Additional Living Expenses” are any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living.  

    • "Fair Rental Value" means the fair rental value of where you reside is covered, minus any expense that does not continue while the premises are uninhabitable.

    • If you’ve chosen to receive your policy documents electronically, you’ll get an email between 24 and 48 hours after purchasing your policy online. If you give us an incorrect or invalid email address, your policy documents may be delayed. 

      If you chose not to receive your documents electronically, you should receive your policy documents within 10 days from the time you purchase your policy online.

    • If you opt to receive your policy documents electronically, you’ll receive your original policy, declarations page and renewal policy by email. If not, they will be mailed to you within 10 days from the time you purchased your policy online.

      You can change how we send you your documents at any time by visiting www.myassurantpolicy.com or by emailing us atrentersmail@assurant.com. Please include the insured’s name, address and policy number on your request. 

      If you prefer, you can also call Customer Service at 1‐800‐432‐8612, Monday through Friday between 8am and 8pm EST.

    • If after two attempts to email your documents they are still returned as undeliverable, we’ll try to find a better email address for you. If we can’t find one that works, we’ll automatically change your preference on our system and send your policy documents by US mail within five to 10 business days. 

    •  

      In most cases, your coverage can be transferred to your new rental property. Simply submit an address change request in the “Manage My Policy” section of www.myassurantpolicy.com.

      To change your policy location you’ll need to let us know 30 days before the day you begin to move. If you move to a new state, a new policy with the applicable rates and forms will be issued.


    • If you purchase a home, you can cancel your policy by visiting the policyholder website at www.myassurantpolicy.com or via email to renterscancel@assurant.com. Be sure to include your name, current and future addresses, policy number, policy type, the last day you plan to live in your current residence and the move‐in date to your new address.


    • Once you’ve purchased your Renters Insurance policy, contact customer service at 1‐800‐432‐8612, Monday through Friday between 8am and 8pm EST. A friendly customer service representative will be happy to help you schedule your personal property.


    • Yes – please refer to your policy and forms for any limitations that may apply.  However, the insured location must be the residence of the insured; it cannot be the storage location. 

    Coverage

    • Yes. If you’d like to add a roommate, please visit www.myassurantpolicy.com after you buy. All individuals will be named on any claim payments or policy refunds.

    • If you purchase a Renters Insurance policy you can list one named insured and one additional insured. Anyone listed on the policy will be named on any claim payments or policy refunds.

    • No – if you’re liable for damage to the community as a result of fire, smoke, explosion or water damage, your property manager won’t be able to collect damages against your policy if they’re named on your policy too. 

      If your landlord wants to be named on the policy you can consider adding them as an interested party. 

    • No – a spouse is automatically insured if he or she is a resident of the same household as the policyholder. 

    • Yes – however, you can’t request any changes unless you are also listed on the policy. 


    • Yes – some items with special limits include jewelry, silverware, stamps, cards, guns and gold ware. Please refer to your policy and forms for a detailed list and limits. 


    • Yes – you are covered if the direct force of the wind or hail damages the building and causes an opening in a roof or wall and the rain enters through this opening, causing water damage to your personal property. 

    •  

      No – this policy does not cover water damage as a result of flood. This includes the accumulation of surface water in normally dry land areas, overflow of a body of water, water which backs up through sewers or drains or water below the surface of the ground. 

      For more information about flood insurance, contact the National Flood Insurance Program or your insurance agent.  


    • If you purchased a Renters Insurance policy, your cell phones and computers are covered if they are damaged as a result of a covered peril. 


    • Yes – damages due to mold may be covered. Please refer to your policy for details, including availability, exclusions and limitations. 


    • Since your neighbor is responsible for the damage, he or she would be legally responsible to pay for the damage, both to your personal belongings as well as your rental property.

    Policy

    • Yes, you should keep a copy of your contract and the sales receipt for the covered product – you may be required to provide these documents to obtain service in certain, limited circumstances.     

    • You can pay your premium by choosing one annual payment or our monthly payment plan. A monthly payment plan includes a transaction service fee up to $5 per month depending on your state of residence. As a small token of appreciation to you, we won’t charge this transaction fee for the first month. 

    • Regardless of your actual move‐in date, you are billed immediately for the entire premium if you choose annual pay, or for the first installment if you choose a monthly pay plan.

    • Yes – you can make changes to your policy online at www.myassurantpolicy.com. You’ll need to register your access as a first time user; to do this, you should have the following information handy: 

      • Your policy number
      • Your ZIP code
      • Your policy’s effective date 

      Once you’ve registered, simply select your policy and click the “Request Policy Change” button. We’ll review and process your request within three to five business days – after which any approved changes will be shown on the site.  

      You can also email your request to rentersmail@assurant.com. Remember to include your name, address, policy number, policy type and the type of change you want. For general questions, call us toll‐free at 1‐800‐432‐8612 Monday through Friday from 8am to 8pm EST. 


    • Yes – but we really value your business and always regret it when a customer wants to leave. If you want to cancel, you can do so through www.myassurantpolicy.com, or send an email to renterscancel@assurant.com. Please include information about the policyholder to the website or in the email request.


    • No, there is no cancellation fee.


    • This is a yearly renewable policy. 

    Filing a Claim


    • You can choose a $100, $250 or $500 (where available) deductible per occurrence on your property coverage. To see which deductible amount is applicable in your state, please refer to your coverage selection. Deductibles do not apply to Personal Liability coverage. 

    •  

      Whether you need to file a property or liability claim, call our Claims Department 24/7 at 1‐800‐358‐0600 or visit www.myassurantpolicy.com to get the claim process started. Please be prepared to give a detailed account of the events for which you are claiming. 

      Property Claims 

      Complete a claim form to detail any and all personal property that you’ve lost due to a covered event (fire, theft, wind, vandalism or another covered event). We can send you a claim form, or you can complete it online at www.myassurantpolicy.com.  Ensure that you have the following items ready:

      • Your policy number 
      • The police or fire department report number assigned to your case, depending on the nature of the loss 
      • Your landlord or property manager’s phone number 

      Liability Claims

      We’ll take down information about the nature ofthe claim. After that, we’ll immediately get you in touch with a Liability Adjuster from Assurant Specialty Property.  The Liability Adjuster will contact you and work the process further depending on your unique liability circumstances. 


    • The best way to prove ownership is keeping receipts of purchase for each of your belongings. However, if that’s not possible, you can provide us with pictures of the each item with their brand names, serial numbers and models. 


    • If your personal property is damaged by a covered peril, we will pay the replacement cost of the item without deduction for depreciation. You’ll need to replace the item(s) before the full replacement cost can be paid, otherwise cash value will be paid.