A landlord’s insurance policy only covers the building’s structure, not your personal belongings. However, renters insurance (also known as a HO4 policy) can provide the additional protections needed to ensure your valuables can be replaced in the event of a covered loss. California Renters Insurance is usually very affordable and protects against a number of perils such as a fire caused by a faulty toaster oven or a break-in theft while you’re out of town.
Other common areas of coverage include liability protection in case you damage someone else’s property, medical expenses if a person is injured in your rental unit and additional living expenses if you’re forced out of your home due to a covered loss. Before buying this policy, you’re strongly encouraged to take an inventory of what you own and then decide the level of coverage you need. Please contact us to receive a California Renters Insurance quote today.
Contact us and receive a quote!