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Jan 29, 2014

If you are a renter and do not currently have a renters insurance policy in place, then it may be time to consider buying one. Before you do, here are some of the most frequently asked questions about this type of insurance.

Do I Really Need It?

In short, anybody who rents a residential property and has their own personal property inside of it should have a renters insurance policy. Many people operate under the assumption that a landlord's insurance policy completely covers them, but this is not the case. Your personal possessions are not protected by your landlord's insurance; only the structure itself and property that belongs to your landlord is covered.

What Does Renters Insurance Cover?

In general, renters insurance covers any damage done to your property that is caused by any of the following:

  • vandalism
  • fire or smoke
  • severe weather
  • vandalism

Having a renters insurance policy can help you receive reimbursement or replacement of your damaged belongings and give you the peace of mind you need. For more information about renters insurance policies in California, contact Gateway Professional Insurance Services today.

 

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