Having the right insurance is still very important even if your just renting. While your landlord or apartment complex will have insurance, it stops at your front door, as their policy only covers the structure or building. Any personal items stored inside of your unit would not be covered under their insurance policy. This is where having renters insurance comes into play.
Apartment and Home Renters Insurance
California renters insurance, or sometimes called an HO-4 policy, offers coverage for those living in apartments, rental homes and townhouses. Renters insurance in California protects your personal property such as furniture, jewelry, TVs, computers and other expensive items.
Whether the loss is caused by fire, smoke, water damage, a weather event or theft and vandalism, renters insurance gives you the peace of mind knowing that your personal property in your apartment or rental will be covered.
Legal Liability Protection for Renters in CA
In addition to covering your personal belongings, renters insurance also protects you financially. You never know when someone will be over visiting that ends up tripping and hitting their head on your coffee table. By having the appropriate renters coverage, it would kick in and protect you against any legal liabilities that could arise due to accidental injuries to someone at your residence.
Get a Quote for California Renters Insurance
Our team is happy to assist you in finding the best renters insurance policy. Whether you need renters insurance in El Cajon, San Diego, Temecula or Moreno Valley, we have you taken care of. Our agency works with top rated California insurance carriers including Allied, Mercury and Safeco. We can also bundle your renters with your auto insurance to help reduce your costs even more. Contact our office at 800-354-8535 or request a California renters insurance quote to see how much you can start saving today. We have locations in San Diego, Carlsbad and Temecula, and can provide renters insurance for anyone in the state of California.