Even if you don't own, and are renting a house, condo or apartment you can easily lose all your belongings in a sudden fire or other disaster. That's where renters insurance comes into play.
Renters insurance will protect your property, whether it's a ranch in the country or a condo in the city. Renters insurance also covers you for liability should someone be injured at the place your rent. It will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.
Perhaps your neighbor’s water heater or pipe breaks. Or there is smoke damage. Are your things covered? Where would you stay if you had to vacate during repairs. All these things are potentially covered.
Rates for renters insurance are surprisingly low, and based on your location, your security features, deductibles, and the amount of actual coverage. How low is renters insurance? In some cases you can get low cost renters insurance almost for free by combining it with your current Auto Insurance carrier. You’ll save on your auto insurance by placing your home/condo/renter policy with the same carrier – so much it may pay for itself!
The most important thing about renters insurance is to have adequate coverage. It’s amazing how fast things add up! If you do not purchase enough insurance, any loss may not be totally covered. For that reason, you may want to check out and do our Personal Property Inventory & Calculator. These and a discussion with your agent can help determine the right amount you need.
For the Liability portion you want to be sure your limit can protect you and all your assets against a judgment that might occur. Increasing your limits is usually inexpensive and can be offset by a higher deductible. In addition, umbrella policiesthat cover above your Auto, Renter or RV policies are available at low cost. Major discounts are available when you have all policies with the same carrier.
Because everyone's needs are not the same, it is best to consult one of our independent agents to help assess your needs to be sure the insurance policy is right for you.
One thing renters insurance doesn't cover is damage from catastrophes such as Earthquake, Floods, and Hurricanes. Check our Natural Disaster Risk Map. If you have a home in an area vulnerable to a disaster ask you agent about how you can purchase separate insurance to cover this risk.
Contact us for additional information or for a quote.
Our offices are conveniently located at:
1622 S. Gaffey #104
San Pedro, CA 90731
3220 Sepulveda Blvd #202
Torrance, CA 90505