Renters Insurance Information
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What do I need to know about Renters Insurance?
As a renter in California, you face many of the same risks as a homeowner. Your residence could have a theft or your personal belongings could be damaged by fire. Renters Insurance is designed for anyone who rents a home, be it a house, apartment, or a condo/townhouse. You may not own the place where you live, but you still need insurance protection. The average renter has over $20,000 in possessions, which could be a catastrophe without insurance. Landlords insure the physical apartment building or home against damage to the structure. But their insurance policy does not cover your personal belongings, so it is very important to have coverage for your personal belongings. Another reason to get renters insurance is to protect yourself against any accidents caused by other tenants. Renters insurance can also protect against liability or medical bills of guests injured in your apartment.
Renters Insurance can be very inexpensive and can provide protection for your personal property against such disasters as fire, theft, windstorm damage and vandalism.
Even though it may seem like you don't have many expensive items, everything in your home or apartment adds up if you had to replace them.
You could be held responsible for injury to another person or for damage to another person's property if an incident occurred within your rented residence, or elsewhere. Renters insurance can help protect you in case of a liability lawsuit against you.
You get a Multi-line savings for having Renters Insurance along with Auto Insurance by having them combined with the same insurance company. Sometimes the discounts and savings of having your cars insured along with renters insurance can almost pay for your renters insurance. When shopping for renters insurance, check with your local agent and get a quote for your car insurance too to take advantage of the savings.
Your renters Insurance Policy can be custom tailored to fit your individual needs. You can choose the amount of coverage for your personal property up to the nearest thousand. Ask about getting replacement cost coverage.
Ways to determine how much insurance coverage you need: Add up the dollar amount of everything you own in your home and make a list. This inlcludes your clothing, stereo equipment, furniture, personal appliances. Your insurance should be plenty to cover the list. To ensure you are compensated for any belongings you lose from a fire, storm or other catastrophe, you should inventory all of your personal belongings. Please call John Tesoriero at 619-299-6000 for a home inventory checklist so that you can make a complete list.
Important Renters Insurance terms and definitions
Actual Cash Value: This type of coverage pays an amount equal to the current cost to replace your items minus the depreciated value.
Replacement Cost Coverage - will pay what it actually costs to replace the items you lost, minus the deductible. Premiums tend to be more expensive with this coverage, but it is very important to have so that you can replace everything without deduction for depreciation. Call our office and speak with an agent at 619-889-0889.
Personal Property - Apartment and Townhome renters insurance provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats; TV, VCR and CD player aren't worth a lot but those items all add up if you have to replace them at once.
Personal Liability - In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. The renter’s insurance policy provides personal liability coverage to financially protect you should this ever occur.
Just like any other type of insurance policy, your premium depends on a number of factors. For example: where you live, your deductible, and whether you need any additional coverage. You have many options for billing, such as: you can pay by monthly payments, quarterly, or pay the annual premium in full. You can save on service fees by having your payments deducted automatically deducted from your checking account.
Disclaimer: The information contained in this Web site is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverage's, always read the complete insurance policy, including all endorsements and exclusions.
Our local insurance agency can help with affordable renters insurance quotes all throughout California, CA in San Diego County, Imperial County, Riverside County, San Bernadino County, Los Angeles County, Santa Clara County, Ventura County, Orange County, San Francisco, San Mateo County, including the following zip codes and local communities:
92101 San Diego Home Insurance |
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