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Renters Insurance In California - Basic Coverage Options
The first rule of California renters insurance is to have it, even if you don't own your own place. If you ever have to vacate your home, your insurance policy will come into play. A good renter's policy will cover you for all the damages and losses that can occur during your stay in any rented building. You will need renters insurance to cover the value of all of your personal belongings, as well as the items in your home.
Even though many people don't think twice about getting renter's insurance when moving into a new apartment or house, others seem to be far more hesitant. It may be because of the association of landlords with insurances. In most cases, if you are renting, you are probably getting insurance through your landlord's insurance company. While this may be a good idea, there are some advantages to getting your own renter's insurance policy.
Many times when people move into a rental property, they do not check with their insurance policy to make sure that everything they own is covered. When you purchase your own policy, you can check with it to ensure that everything you own is covered. In addition to covering your own personal belongings, your renter's insurance will also protect your personal property if you are robbed at your place of business or if any damage occurs to your rental property while you are there.
Most landlords insurances will have specific rules about what items they will cover and which ones they will not. For example, a lot of landlords insurances will exclude flammable liquids. If you happen to own a swimming pool, it is likely that you will be covered for any damage or loss resulting from a leak. This is very important if you are at home when the water has a fire. This is also true for contents of your rental property, such as electronics and clothing.
Another aspect of renters insurance is liability. Most laws have a common clause that allows you to be sued for any injury or property damage. This type of coverage may not be very expensive in comparison with your premiums. You will need to call your insurance company about liability. Find out who will be responsible for paying your expenses in this case.
Many times the landlord insurances will only cover certain areas of their apartment. You will have to ask your insurance company about specific coverage. If you rent your apartment, you are probably not covered for anything other than the lease. Your insurance must be purchased under your current insurance policy. Some California landlord insurances will even insure you for damage done by ex-employees and contractors.
Liability and property damage is only one part of renter's insurance coverage. You will also want to get coverage for personal injury in case of an accident on your rental property. If someone slips and falls on your treadmills, you can be held responsible. Your insurance should pay for this as well as any medical bills you might incur.
If you own your home, it is worth your time to talk to your insurance agent about additional coverage for legal costs if tenants sue you. cheap insurance is a common requirement in California, especially if you have many visitors. You could lose a significant amount of money if you don't provide proper rental property coverage. The California State law requiring landlords to offer this coverage is also designed to protect your tenants. Remember, you never know when tragedy might strike your rental property. Always think of safety and security first, before thinking about lawsuits.
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