As the saying goes, “home is where the heart is”, but it’s also where you store your personal belongings and maybe even a valuable item or two.
Most people who rent think they have a level of coverage or protection under their landlord’s insurance policy….not true!
While your landlord’s policy will cover certain things like plumbing issues or fixing the roof, it WILL NOT cover any of your personal belongings in the event of a fire, theft or other loss situation.
Now you may be thinking that you don’t have much to lose, but as an insurance agent I’ve seen people undervalue their personal belongings, and then are financially hurt when an event occurs where they lose everything.
Ask yourself how much those brand new pair of shoes cost, or your computer, cell phone, flat panel TV, or your entire wardrobe. It adds up quickly..!!
Also, a Renters Insurance policy will protect your liability exposure, so if you are found liable or negligent, you will have $100,000 (or more) protecting your financial assets (bank accounts, retirements accounts, etc.).
The best part about a Renters Insurance policy is they are VERY INEXPENSIVE and many times can be had for less than the cost of a movie ticket each month.
Renters Insurance Facts
Renters insurance includes three key types of financial protection:
- Coverage for Personal Property
- Liability Protection
- Additional Living Expenses
We’ll discuss each one in more detail below.
Renters Insurance will cover your personal belongings against a wide variety of losses including (but not limited to) fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods).
Renters Insurance will also cover your liability in the event people are injured at your home or elsewhere by you or your pet. It can also cover your legal defense costs if you are taken to court.
If you suffer a covered loss and find that you are unable to live in your home, your Renters Insurance policy may also cover additional living expenses.
Remember, Renters Insurance is an inexpensive way to protect all of the things that you’ve worked so hard to acquire. Call today for a competitive quote – 760.600.0550
Knowledge Is Power
Now that you have a better understanding about the different types of coverage available on a Renters Insurance Policy, you’re probably ready to find the coverage that’s right for you.
Remember, Renters Insurance is not a “one size fits all” solution.
Your needs are going to be different from the next person so it’s important that we work together to create a policy that will meet your specific goals and most importantly, be affordable.
I will shop the top rated insurance carriers to find you the best insurance policy, with the most coverage, at the lowest rate.
By working with me, you will get the personal attention you deserve, a superior policy to protect your belongings, and a price that will fit your budget.
Now that’s insurance done right.
Fill out the brief form to your right or call 760.600.0550 and let’s get started.
Request A Quote
What My Clients Are Saying
Don’t just take it from me, I’ll let my customers do the talking!
“John has been a trusted Referal partner to my clients.
As a mortgage banker I’m constantly involved in assisting clients secure home owners insurance in order to finalize their home loan financing.
John has been an asset in assisting my clients secure home owners insurance at a low rate with optimal coverage.
I highly recommend John, you will not be disappointed if you use his services.”Steve K.
“John is one of the most helpful agents that I have ever worked with.
He has gone out of his way – on numerous occasions – to help me with my queries and to set up my home and rental insurance.
I trust that he is honest, reliable and has my best interests at heart, which cannot be said for all agents!
I have no qualms recommending him to my friends and family, as a colleague did to me.”Laura C.
“John is always a pleasure to work with.
He knows insurance in and out and has demonstrated a strong passion in getting people what they need without the push that other agents tend to do.
He is also a great guy who treats people with respect….something that’s rare in the insurance industry.”Vincent M.