A Guide to Buying Renters Insurance

Renters insurance is one of the most important types of coverage to have. Many people put off adding this type of insurance to their monthly budget, but it’s an essential policy for anyone that rents a home or apartment. 

Those who don’t have renters insurance are at risk of losing everything they’ve worked hard for to an unforeseen disaster. That’s why it is important to protect your stuff, whether you live in a house or apartment. You want to have peace of mind that if something tragic were to happen, your most precious items are protected. Western Republic Insurance Services provides renter’s insurance to the people of Huntington Beach, CA to help them protect their precious investments.

What Does Renter’s Insurance Cover? 

Renters insurance typically covers damage to your rented home or apartment, as well as items inside. You can choose coverage for your possessions alone or select additional options like protection for medical expenses (injuries that happen within the home), injuries sustained by guests, and even legal fees.

Tips for Buying a Renters Insurance Policy

  • Does the cost of the deductible seem too high? Some policies allow you to reduce your deductible amount or even skip paying a deductible if it’s been more than two years since you were previously reimbursed from a claim.
  • Are vandalism and malicious mischief covered? If there’s a chance you could be a victim of vandalism or malicious mischief, make sure that your policy covers it.
  • Is water damage from plumbing leaks covered? In most cases, the answer is yes but be sure to find out for sure when you’re searching for renters insurance.
  •  Do I need special coverage for any of my possessions? Think about high-value or unique items like jewelry, furs, or antiques. Unless you’ve got a bunch of money lying around, these types of items are better suited to be covered by a separate special personal property policy.

Protect your belongings and save money by adding renters insurance to your budget today. If you’re a Huntington Beach, CA resident looking for a renters insurance policy, contact Western Republic Insurance Services for suitable coverage that suits your specific needs.