As a renter, you don’t have many responsibilities as a tenant. Just pay your rent and maintain your own space.
But what would you do if you came home one day and some of your valuables were stolen during a break-in or a fire had destroyed everything in your apartment?
You may assume that the building owner’s insurance will take care of all the damage caused by a fire. Think again!
Your building owner is only required to carry insurance for the structure. Everything inside of the apartment walls is your responsibility to insure.
This means all of your furniture, electronics, appliances, clothing and jewelry are uninsured unless you purchase a renter’s policy. Whether you live in a condo, apartment, house, or duplex, a renters insurance policy can protect you and your assets.
What exactly is covered?
Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will generally include:
- Personal property protection
- Family liability protection
- Guest medical protection
- Additional living expenses
- Additional protection
- Temporary housing
- Liability protection for people on your property
- Lawsuits where you are held responsible for: Injury to another person; Damage to another person’s property (whether the incident occurred within your rented residence or elsewhere)
The J. Morey Company Difference
You may think the cheapest renters insurance will do, but realize that you might not be getting everything that you think would be included. While a majority of insurance policies are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you.
We’re here for you. We’re here to protect our clients, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
No such thing as a one-size-fits-all insurance policy.
At The J. Morey Company, we understand that options can sometimes be overwhelming. Our knowledgeable and helpful agents can work with you to find the coverage you need.
Request a quote now and let the professionals at The J. Morey Company help you find the best California renters insurance policy for your needs.