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Renters Insurance

San Diego, Riverside, Irvine, Sacramento, CA and Phoenix, AZ


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Renters insurance is more affordable then you think. With a basic Renters Insurance policy starting for pennies a day, you can protect yourself and your belongings against fire, theft, vandalism and personal liabilities against accidents on your rented premises.

Did you know?

Did you know your landlords’ insurance policy does not cover your property or you from personal losses!


What is Renters Insurance?

Renters Insurance in 92101, also referred to as an HO-4 policy, covers many losses that are not covered by your landlord. While your landlord is intent on making sure that the structure you live in is covered and personal losses on the unites property are covered, they are often not so attentive to covering you or your belongings inside your rented unit against losses.

Some landlords are now requiring Renters Insurance in 92101 for all their tenants. Whether you are renting an apartment, condo or house in San Diego protecting your personal property and yourself is often required.

If the decision is left up to you purchase Renter Insurance in 92101 you should consider the alternative such as if all personal belongings were damaged due to fire or vandalism or some of my more valuable items were stolen, how long would it take me to replace them? Renters Insurance in 92101 covers you again fire, theft, vandalism and more getting you back on track quickly.


Why do you need Renters Insurance?

Renters Insurance in 92101 is really about protecting yourself financially if the unexpected happens. Chances are if you experience a loss such as fire, theft or vandalism the likelihood of getting you back to normal can be more expensive than you might think.

If your property was damaged by vandalism, you would need money to repair or replace the items.

If a guest was hurt or injured while visiting you in your home, you would be protected from being sued.

If you were a victim of a robbery and your valuables were stolen, you could have them replaced.

It is important to know that Renters Insurance in 92101 is there to protect you against unexpected loses, not routine maintenance.


What Does Renters Insurance Cover?

Renters insurance, also referred to as HO-4 may cover you for the following losses or destruction of personal belongs. Remember not all Renters Insurance policy are the same and limits, coverage and deductible can often be different.  

  • Fire
  • Theft
  • Wind or Hail
  • Falling Object
  • Smoke
  • Vandalism
  • Malicious Mischief

Accidently discharge or overflow of water or stream from within a plumbing, heating, fire sprinkler or installed appliance.

Sudden general electric damage, not including transistor, tube or similar electronical devices.

Liability for injury to others due to your negligence while in your rented property

And more based on the renters’ insurance coverage listed in your policy.

*All coverages are based on the coverage limits and restriction in your renters’ policy


What liabilities does my renters insurance cover?

California renters insurance more often than not comes with liability coverage. Renters’ insurance liability can include, but is not limited to medical cost, court cost, legal fees as well as pain and suffering occurred by a guest while in your home. The coverage limits are listed on your renters’ insurance policy in San Diego and often ranges from $100,000 - $500,000 based on your needs or budget.  


What Renters Insurance does NOT cover.

Renters insurance does not cover earthquakes or floods; this is often a separate policy. Some renters insurance policies in San Diego and surrounding areas can endorse this coverage or list it as a rider if the coverage is offered with your renter insurance policy.  Renters insurance also does not cover routine wear and tear. 

Thank you for your interest in We work diligently on your behalf to find the best coverage to match your needs and budget. Please feel free to call our office at 888-855-1809 or email your questions and an insurance professional will reply promptly.

Insuring: San Diego, Riverside, Irvine, Sacramento, CA as well as Phoenix, AZ.

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