Do I Need Renters Insurance?

young-woman-with-boxes-while-moving-out-of-old-home-4246270Are you renting a home or apartment and wondering if you should purchase a Renters Insurance Policy? The quick answer for you is “Yes”.  Renters insurance is absolutely recommended for anyone renting a home, condo, manufactured home or an apartment. It’s important because it protects you, not the landlord. The landlord has their own policy to cover the home or the apartment, but that policy does not cover you or your belongings. Be protected and get yourself a renters insurance policy. Renters Insurance policies are easy to get and are inexpensive. Rancho Cal Insurance Services is here to help you get your renters insurance policy.

What Does Renters Insurance Cover?

  • Your Personal Property: Clothes, furniture, electronics, etc.
  • Loss Of Use: Coverage to help you with your living expenses if your home or apartment is damaged.
  • Medical Expenses: Coverage if a guest is injured at your home or apartment.
  • Liability: Medical or Legal fees for someone injured at your home or apartment and you are accused or held liable for being responsible for the injuries.

Can My Landlord or Apartment Manager Require Me to Get  a Renters Insurance Policy?

Yes, your landlord or your apartment manager can require that you obtain a renters insurance policy before you are able to move in. However, you don’t have to purchase it from the apartment complex. Often you can find a better price for your renters insurance policy from your local independent insurance agent.

Rancho Cal Insurance Services can help you obtain your renters insurance policy today! Our agents can assist you with getting a policy that offers you the protection you want, and satisfies the requirement from your landlord or apartment manager. Oh, and did I mention that a renters insurance policy is very affordable! Rancho Cal Insurance Services is an independent insurance agency and we work to find you the best rate for your renters insurance policy. We are located in Murrieta, right near Temecula, Winchester, Menifee and Hemet. We help people all over California with their renters insurance policy, and we would love to help you too. Give us a call, there’s no reason to wait to begin your renters insurance policy.