Protection for you and your family’s precious belongings.
Why do I need Renter’s Insurance?
If you are thinking about moving into a new apartment, you might be wondering whether you need renter’s insurance. And the answer should be… yes. Many landlords now require proof of renter’s insurance before they even let you sign the rental contract.
But that’s not the only reason why you should have renter’s insurance in California. Even if you think that you don’t own very much “stuff”, you’ll be surprised how quickly personal property worth $10,000 or $20,000 can accumulate.
Renters insurance policies will protect your belongings in case of theft, fire, water damage, or other perils, and will help you replace what you lost.
What do you get with Renter’s Insurance?
Renters Insurance will not only protect your belongings inside your apartment, but also away from home! Imagine you go for a skiing trip at Big Bear and take your skis off for lunch at the lodge… only to find that they’ve been stolen when you return. If you have renter’s insurance, they would be covered, subject to your deductible of $500 or $1000.
Also, insurance coverage for your personal property is only the “icing” on your renter’s insurance.
What’s even more important is the liability protection that your renter’s insurance policy provides: For example, if a friend comes to your apartment and is bitten by your normally friendly dog, the liability coverage that comes with your renter’s insurance may kick in to pay for your friend’s injuries.
What’s worse, if you cause damage to other units of your apartment complex, you may be held responsible for the damage you have caused to the building and to your neighbor’s personal property.
Renters insurance can protect you!
All that for less than $15 per month!
Since a renter’s policy will trigger a discount on your auto policy if you have both policies with the same insurance company, it often literally pays for itself.
Be smart. Protect your assets. Get renters insurance from a licensed agent in our office!