Looking for Renters Insurance Policy in California?
Renters insurance is designed to protect your personal belongings and liability exposure while you lease your home or apartment. From furniture and electronics to clothing and specialty items, coverage can help safeguard what you own and provide protection if you’re held responsible for accidental damage or injury.
At AA Lares Insurance Services, we structure renters insurance policies for individuals and families throughout Orange County, helping ensure your personal property and liability coverage are properly aligned with your needs.
What You Need to Know
Your renters policy covers your personal property against theft or damage, subject to the limits and deductibles you select. The coverage applies even when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect Yourself and Your Guests
Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.
In addition, you can select medical payments coverage, which will pay for medical expenses incurred by a visitor who is injured at your residence, regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.
Understanding your responsibilities as a tenant is equally important.
The California Department of Consumer Affairs publishes a guide outlining tenants’ and landlords’ rights and responsibilities, which can help renters better understand how liability and insurance protection work together.
The Right Coverage, The Right Price
Whether you’re starting out, between homes, or downsizing, we’ll help you pick the best renters insurance coverage that best fits your needs.
Be sure to ask about available discounts, including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.
How to get started on your renters quote
To get started on your quote, call our office or click over to our quotes page.
