Best Renters Insurance Quotes

Renting your home is a great way to simplify your life. It's a wonderful feeling knowing someone else can take care of the property taxes and big scale maintenance projects. One aspect of renting, however, that many renters tend to forget about is insurance. It's easy to believe that because your landlord has homeowner's insurance, you never need to give a thought to your insurance needs. This is not the case, though. In fact, renters are especially vulnerable and that is why they need a good renter's policy in place. At Rate Crushers Insurance Brokers, serving California we take your insurance education very seriously. Keep reading to find out what you need to know about renter's insurance in California.

Why Do I Need Renter's Insurance?

Even if you rent your home, insurance is still an important investment you should be making. The policy which your landlord will have on their property will only replace or repair damage to the physical residence. This will not help to pay for anything you may lose personally in the event of damage or burglary. If the rental property sustains damage, your personal belongings will be lost, and their replacement or repair will come out of your pocket. This can leave you financially vulnerable. To avoid this, you should have a renter's policy in place for California.

What Will Renter's Insurance Cover?

Renter's insurance will cover the cost to repair or replace any personal belongings that you lose in your rental home due to fire, natural disaster, or burglary. In addition to this, the renter's policy will also protect you in the event that you are held liable for the injury of another person at your rental home. The policy can kick in to pay for medical expenses and legal expenses if the injury results in such.

If you would like to learn more about renter's insurance, please contact our staff today at Rate Crushers Insurance Brokers serving Oakland, CA.