California Renters Insurance – Is it Necessary?

If you’re just renting an apartment or condo, you make think that California Renters Insurance isn’t necessary.  However, your landlord’s policy only covers the physical structure of the rental property, not your personal possessions.  For example, if there’s a fire, your personal property won’t be protected – same goes for a robbery too.  So why take the chance?  If it’s a cost issue, there may be ways for you to save money if you combine your other policies (e.g., auto insurance) with the same insurance company.

Here are the basics of what is covered in a California Renters Insurance policy, available with Travelers:

  • Damages to furniture, clothing, as well as other personal items
  • Personal possessions – even if they’re somewhere else
  • Personal liability protection in case someone is injured or their property is damaged

There are additional coverage options that can be added-on to your policy, such as “valuable items coverage”.  This includes:

  • Antiques & Fine Art
  • Bicycles
  • Cameras & Computers
  • Firearms
  • Furs
  • Garden Tractors
  • Golf Equipment
  • Jewelry (including engagement rings)
  • Pedigreed Dogs
  • Political Campaign Collections
  • Silverware, China & Crystal
  • Stamp & Coin Collections
  • Sound Equipment & Musical Instruments
  • Sports Equipment (archery, camping, fishing & skiing)
  • Trophies
  • Wedding Gifts

If you have any questions regarding California Renters Insurance, give us a call today!  We’ll be happy to help you find the right coverage to fit your needs!