Renters Insurance

By: Huntington Pacific Insurance Agency  09/09/2015
Keywords: Renters Insurance

If you rent a home or apartment in California, your landlord will likely take on certain responsibilities, such as maintenance. However, it's important to make sure you have insurance coverage to protect your possessions, and your self against liability claims. In fact, many landlords will require their tenants to get insurance coverage as a condition of the lease. While renters insurance coverages is often quite affordable, it can be difficult for renters — particularly first-time renters — to figure out how much coverage to get and what each policy covers. This is where Huntington Pacific Insurance Agency can help. As one of California's leading independent insurance agents, we can scour renters insurance policies from multiple carriers in order to help you find the right coverage at the right price. We provide free renters insurance quotes and exceptional customer service, so working with us for your auto insurance needs is easy and convenient. Contact us today to get started. With Renters Insurance, you will be able to replace what is damaged or stolen. Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage. If you are forced out of your home because of a disaster your additional living expenses will be covered. Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company. Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court. Decide How Much Insurance You Need. Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home. If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

Keywords: Renters Insurance

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