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The Need For Renters Insurance California

Renters insurance California is for all renters that rent property in California, and it is an insurance that renters need to be aware of, as all too often, renters are under the assumption that their belongings are covered under their landlord's insurance policy. This is not the case, and is a very costly mistake for renters, should damage or theft occur.

Author: jlkoval15
Date: Feb 19, 2012 - 1:25:25 AM

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Renters Insurance California is for all renters that rent property in California, and it is an insurance that renters need to be aware of, as all too often, renters are under the assumption that their belongings are covered under their landlord's insurance policy. This is not the case, and is a very costly mistake for renters, should damage or theft occur.

Renters insurance California is a coverage that covers different incidents that may occur while you rent a home or apartment. These incidents include theft, fire, damage from water due to leaking pipes, windstorms, and so on. However, many areas in California are flood areas, and damage resulting from floods is something that renters insurance, just like homeowners insurance, does not cover, and the renter will need to purchase a separate policy.

Renter insurance California providers are many, and the renter should be aware that policies may vary from provider to provider, so it is important to know what each has to offer, as one may include damage from windstorms and one may not. Renters should also be aware that when they purchase a policy from an insurance company that provide other types of insurance, as well, such as auto and life insurance, and you combine your policies through the insurance company that the insurance company will likely offer a discount on your coverage. This is one means to not only have convenient billing, as you have one company to deal with it is a means to receive a discount.

Do You Need Renters Insurance California?

If you are questioning whether you need renters insurance and just can't decide, then think about what you have in your home, and the value of your belongings. Most of us immediately think of the big items, but, renters insurance is for much more than the big items, it is for all your items. This means, clothes, appliances, furniture, jewelry and so. Now, consider the cost to replace everything should you be struck with a misfortune. Would you be able to afford to replace everything in your home? Chances are without taking a loan or winning the lottery or financing, you would not be able to. This is what renters insurance is for.

Things to Consider

Whether you rent a home or apartment, you may think that the chances of something happening to your belongings are slim. It is important to realize that break-ins happen every day, as well as, the chance of a natural disaster. Even if you feel that you take all the precautions necessary, i.e. have the best alarm system, make certain that you don't leave appliances plugged in, etc. you should consider your neighbors, and how safe they may be. Do they take the precautions you do, or could a boiling pot be left on the stove that starts a fire and burns down their unit, as well as, yours.

Renters Insurance California is an asset to renters and one that can save the renter from financial hardship should disaster occur.

Renters Insurance California is a necessity for all those that would not be able to replace their belongings when a disaster occurs. For more information, visit www.rentersinsurancecalifornia.org.

View all articles by jlkoval15

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