Home and Renters Insurance
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Protecting what matters most starts with understanding ways to help keep everyone safe.
Renters, condo and homeowners insurance in California.
Helps protect you from paying medical costs, loss of income and funeral expenses of other people involved in a covered accident.
WHAT IS NOT COVERED BY A STANDARD HOMEOWNER OR RENTAL POLICY
While insurance covers many types of disaster related damage, there are exceptions. For example, flood insurance and earthquake insurance are both separate types of policies, which may be desirable depending on where you live.
PERSONAL PROPERTY PROTECTION
Provide coverage for the personal belongings. Suppose your electronics are stolen from your home or your furniture is damaged by a fire. Personal property protection may help pay to repair or replace your belongings if they are damaged or destroyed by a covered risk.
As a renter, how much coverage do I need?
Your policy limits for coverage should be determined by the value of your personal property. If you live alone, $10,000 is a good starting point. If you own jewelry items that are worth more than a $1,000 per item, let us know and we will be happy provide a quote for their addition. For couples, we suggest starting with $20,000
One of the basic coverages of a homeowners insurance policy is dwelling protection, which helps cover the structure of the home in which you live, as well as other structures that are attached to it, such as a garage or a deck, against certain risks.
What is a deductible?
This is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss.