Legal Question in Insurance Law in California

Three of us friends rent a house. We had bought a renter's insurance as required by our landlord. Our intention was to have all 3 on the same policy with same coverage and had communicated that to the insurance company. When we got the insurance documents, everybody's name was on the invoice and we thought all of us are equally covered. Recently there was a theft in our house and when we submitted the claim, we were told only 1 of us is covered (the friend who actually purchased the policy) while the other personal property of the other 2 is not. We read the insurance documents carefully and the way it is worded, it seems the coverage for the other 2 is very limited. However, we think this is a mistake on the part of the agent who sold us the policy. Do we have a fighting chance on this?


Asked on 8/30/15, 3:11 pm

1 Answer from Attorneys
Steven Murray Steven W. Murray, APC

Yes, based on the billing to the 3 of you. It would be stronger if all 3 names were on the application. Confront the broker, maybe the insurer made a mistake. If not then the broker made one and may be liable. And perhaps the broker is an appointed agent of that insurance company (look on the Dept. of Ins. website for company appointments for that brokerage). If so, then the broker is an agent of the insurer and his mistake is its mistake. Good luck.

Read more
Answered on 9/02/15, 11:33 am


Related Questions & Answers

More Insurance Law questions and answers in California