Insuring Renters in Carlsbad, CA and San Diego County for over 26 years
What is covered with most renters insurance polices?
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
What isn't covered with most renters insurance polices?
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.
How much insurance do 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.
Do you need renters insurance?
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. Since every one and every situation is completely different it is best to call us at (760) 720-9588 or request a quote today, so we are able to work on finding the most effective renters insurance for you. We even have a convenient location in Carlsbad, CA, we are able to insure any one who rents in San Diego County!