Protect yourself with the right renters insurance!

As a renter, you’re free to move wherever the wind takes you! But just because you’re free from most of the responsibilities of homeownership, doesn’t mean that you don’t need insurance protection. As a tenant, it’s important to have renters insurance to protect you from the unexpected. Here’s why:

Protection for Personal Belongings.

When you rent an apartment, you may not need to protect the structure of the building, but you do need to protect your personal possessions. After a disaster, whether it be a fire or a break-in, it’s important that you have the resources that you need to recover/replace  your losses. That’s where renters insurance comes in. That way you have the tools that you need to replace your property.

Personal Liability.

Personal liability coverage, typically in the amounts of $100,000 or $300,000 can help with general expenses and/or expenses for law suits if someone is injured while at your home and you are found to be negligent. Personal liability coverage is one of the most important components of any insurance for many reasons especially in our sue-crazy society.

Fire Hazards.

While your landlord may have insurance for the property, you still may be liable for things that happen in your apartment or rented home. For example, if you accidently start a fire, you may be required to pay for the damage to your rental property as well as any of your neighbors’ damaged property.  Renters insurance can give you the coverage needed to handle this sort of situation.

Temporary Living Expenses.

After a disaster – fire, theft, water damage —  you may need to temporarily relocate while your rental property is being repaired. Hotel or extended-stay bills can get expensive. Rental insurance policies typically have a coverage component to help offset this expense if required.

When it comes to your rental home or apartment, it’s important to protect it with insurance coverage. Get the renters insurance that you need so that you can rest easy. Contact the professionals at Randy Jones Insurance Services in Pleasanton, California for assistance finding the right insurance policy for your needs.