While renters insurance isn’t required by law in the state of California, it can give you an extra layer of protection. Renting a property can be expensive, and disaster can strike at any moment. California has many laws that can protect renters. And while landlords and building owners are required to have insurance on any property that they rent, they may require a tenant to purchase renters insurance before they issue a lease.
Why You Should Get Renters Insurance
There have been numerous reports in the news about people who have lost everything because of a fire or some other natural disaster, and they’re unable to pick up the pieces because they didn’t have renters insurance. While a landlord must have an insurance policy to cover any losses to the property itself, it won’t cover your personal belongings. Renters insurance will fill this gap, and it will include any losses that have occurred because of certain perils. It can also cover any medical payments for the treatment of injuries that have been inflicted on you or other people.
If you live in Napa, CA, Wine Valley Insurance Services has agents who can help you find a policy that can meet your needs and fits your budget. You shouldn’t take the risk of losing everything because of an unexpected event. You can prevent this by obtaining a renters insurance policy. If you want to find out how we can help you get the coverage you need, reach out to our offices.
What Can Be Covered in a California Renters Insurance Policy
California renters insurance policies can provide the following coverage:
- Personal Property – Covers your personal belongings because of a disaster or unexpected event, and it will have a minimum amount that’s set by your insurance company.
- Loss of Use – Pays for any additional living expenses if you’re unable to use the property because of a loss, which can include the cost of a hotel or any meals.
- Personal Liability – Covers you for any damages for which you’re held liable, and most landlords will require you to get at least $100,000 of this type of coverage.
- Medical Payments to Others – Covers medical payments for any injuries that have occurred on the property, and it will usually have a minimum of $1,000.
Be sure to speak to someone at Wine Valley Insurance Services to get a renters insurance policy that you can rely on. We have been serving the people of Napa, CA for a long time, and we can help you get a renters insurance policy that can cover you if you have suffered an unexpected loss. If you want to work with a reliable insurance agency that is trusted in California, Nevada, Oregon, Colorado, Arizona, Washington, and Idaho, then feel free to contact our office. We would be happy to serve you!