How to Get Renters Insurance Without Social Security Number in 2022?

Last Updated: 20 January, 2022

Buying a home is a tough journey. We’re pretty sure you must have through troubles for a down payment, getting a loan, or saved every possible penny. Wondering, can you get renters insurance without social security number? It is not necessary to rent an apartment. It’s most likely for a credit or background check if it’s asked. Explain to the landlord or rental agency that you do not have a Social Security number since you are not yet eligible for one. Hence, if you want to keep the house in proper condition, you must take care of it with equal effort. After all, it’s foolish of anyone to build something you’re not willing to protect. Therefore, getting policy from best home insurance companies is a good starting point. 

However, protecting your home from unforeseen disasters is not as straightforward as purchasing a home insurance policy. Different homeowners insurance companies provide different types of coverages. Nevertheless, most insurance plans exclude one risk, i.e., bad weather. Yes, you read it right. Most insurers exclude weather damage cover in their policy. However, they do provide coverage for it if you buy a separate coverage package designed for it. Also, if interested, read our blog on renters insurance without credit check? 

best home insurance companies atlanta

What A Home Insurance Company Does Not Provide Coverage Against Renters insurance without social security number

  1. Damage due to water:

Water could damage anything from a rug to the carpet, to the formation of toxic mold. According to Water Valley Management, While most landlords need it, you may still sign a lease without providing your social security number. Many home insurance companies face insurance claims due to mold. Hence, this is forcing any insurance company to be more cautious about covering water damage. 

Mold claims have a wide range of restrictions. According to our research, we found that one-third of insurers do not cover mold damage at all. Additionally, those who do charge between $2,500 to $50,000 for mold coverage alone. Therefore, don’t make the mistake of assuming that you’ll have protection as you live in a low-risk flood zone. You may be a victim of plumbing failure or pipe burst, which can cause similar damages to your home. 

  1. Flood protection

Generally, flood insurance is available as an add-on rider, or also termed as, endorsement. The price for flood coverage depends on the level of flood risk in the area you live in. Hence, if you live in a flood-prone area, your insurance prices can range from $400 to $2,500 or even more. Therefore, go through our agent directory and stay in touch to avail great deals and discounts.   

You can also check for how to get cheapest renters insurance even if you have social security number.

renters insurance without social security number

3. Sewer Damage

During heavy rainfalls, sewer backups are common problems. However, an insurance company in Windsor seldom provides replacement sewers in its standard home insurance policy. But you can add sewer damage to your policy for an extra $20,000. Moreover, if you are a homeowner with sump pumps, you should pay special attention to increasing their insurance coverage. Always keep this thing in mind while getting an initial insurance quote from any insurance company.

best home insurance companies atlanta
best home insurance companies atlanta

Frequently Asked Questions

Can you get renters insurance without a Social Security Number?

Yes, you can get renter’s insurance without a Social Security Number. When you are asked about you SSN, simply tell that you aren’t eligible to get one yet.

Do you need Social Security for Renters Insurance?

No, you don’t need social security number for a renters insurance. For more information, contact us.

Why does company need social security number?

SSN helps to check the background of the candidates for the security purposes.

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