Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 2, 2011

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Insurance Question from Rancho Bernardo, CA

Asked on 07/02/2011

I live in a condo that is owned by my parents. I don’t pay rent and the title is in their name. Do I need renters insurance or condo insurance? NULL

Answer given on July 26, 2011

You are not required to purchase renters insurance while living in your parents condo. However, their policy will cover any personal property in the unit that they own, but it will not cover your personal property.Renters insurance is not expensive and it not only covers you for damage to your personal property, it also covers your for liability insurance, in case someone is injured in the unit and they sue you. It is also worldwide insurance so if you were to poke someone in the eye with an umbrella while in London, or your golf ball hit someone on the links, you would be protected. It is very much worth the money.If you do not have an insurance agent, talk to the agent who insures your parents condo. They can most likely help you with the renters insurance. Your auto insurance agent should also be available to help you with renters insurance.


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