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Renters Insurance

from Beasy Insurance Services

Renters Insurance

You’ve finally found the perfect home that is close to every convenience you need and every recreational facility you want. Whether you are renting a house in California or an apartment in Arizona, you may like to consider obtaining renters insurance.

Although renters insurance is not compulsory by law, your landlord may require it before you finalize the lease agreement to protect themselves from potential disputes with tenants. And even if it’s not a requisite to renting a house, it’s still important to have it in place.

Guard Yourself and Your Belongings from Unfortunate Events

An insurance policy for tenants safeguards your possessions against unexpected perils such as fires, natural occurrences, break-ins, and other unpleasant surprises. It covers out-of-pocket expenses as well as injuries to other people and damages to their property.

Renters insurance normally provides you with three basic types of financial protection: personal property, liability, and additional living expenses.

Personal property coverage. If your personal belongings are ruined by a covered risk such as fire or a natural disaster or are stolen, this pays for their repair or replacement. Personal property may include clothes, electronics, appliances, and furniture.

Liability coverage. This takes care of another person’s medical expenses if you are found liable for their injuries while they are visiting your place in Arizona. This also reimburses the costs for the repair or replacement of someone’s property that you accidentally damage or that gets damaged while in your home.

Additional living expenses coverage. If your California rental space becomes uninhabitable due to ongoing repair of damages caused by a covered peril, this reimburses the additional expenses you incur while living somewhere for some time. Extra expenses usually covered are hotel bills and food.

Purchase Renters Insurance from Independent Agents

Need help with finding the coverage that best suits your needs? We can shop around for you.

Call us at 949-200-7710 so we can start discussing the specifics of your requirements.