While renters insurance is not required in the state of California, some landlords may require it as part of your lease agreement. Even if you live in a building in which it is not required, it is a very good idea to have a renters insurance policy in place. The staff at Express Financial & Insurance Services in Santa Monica, CA know first-hand the importance of renters insurance since landlords are not liable for any losses of your items if an incident occurs. The property insurance of landlords only covers the structure of the building, house, or mobile home that you live in but does not cover any of your personal belongings.
Personal Property Coverage
Renters insurance offers personal property coverage which is very important since your landlord’s insurance does not cover it. This type of coverage will help you replace your personal belongings, including any appliances that you have bought for your home, your clothing, and any other items that belong to you if there is a fire, a natural disaster, or an act of vandalism.
Renters insurance will also help you replace items that are stolen from your apartment or house that you are renting if a robbery or theft incident occurs.
liability insurance is very important to have as it will pay for any medical bills or time off work of a guest in your home who is injured due to a fall or some other issue inside the home.
Get a Quote Today
It is very important and affordable to have a renters insurance policy in place that will not only help you replace your personal belongings if a horrible incident occurs but will also provide you peace of mind in knowing that the things you’ve worked so hard for are protected. To obtain a quote for renters insurance coverage or to get your policy started, contact the experienced and trusted agents at Express Financial & Insurance Services in Santa Monica, CA today!