Renters Insurance Myths California Residents Must Avoid While Researching Policies

Western Republic Insurance Services serves the Huntington Beach, CA community through offering residents multiple types of insurance coverage. We strive to offer our clients excellent customer service. We proudly serve as an independent insurance agency, which enables us to work with multiple carriers throughout California.

Renters Insurance Myths To Avoid

If you are staying in a rental property in Huntington Beach, CA, it is important that you protect your personal items inside of the unit. Renters insurance covers your personal items if they are stolen or damaged. The policy also covers you if you invite a guest over and they are injured on your property. While you research different policies, avoid these common renters insurance myths.

I Don’t Need Coverage Because I Don’t Have Any Valuables

This is a common misconception about insurance. Every item that you have holds some type of value. Renters insurance doesn’t just cover expensive or luxury items. Accidents can happen at any time. That’s why you should cover your items regardless of their price.

I Can Rely On My Landlord

This is also incorrect. Your landlord has a policy that likely covers the exterior of the entire unit. If a disaster arises and your personal items are destroyed, you will be fully responsible for replacing those items unless you have a renters insurance policy to lean on. This is also true if you have a roommate. They may have a policy, but it does not protect your personal items if they are damaged.

My Location Is Secure So I Don’t Need Coverage

Even if you stay in a secure area, unexpected circumstances can arise at any time. Renters insurance will cover you if your area is hit by unusually severe weather and your unit is damaged.

Consult With Western Republic Insurance Services

Visit our website to learn more information about renters insurance.