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Whether you are renting a house, apartment, mobile home, or condo, your personal belongings are everything to you. There is no reason to be without secure Orange County renters insurance policy coverage for your belongings. Coffer Insurance, located in the OC, will create an insurance policy that ensures you have peace of mind.
Who Needs an Orange County Renters Insurance Policy?
Unlike some insurance policies, renters insurance is not mandatory. Yet, no one who rents should go without it. If you currently rent any of the following types of homes, then you need to consider renters insurance:
- Apartment, Condo, House
- Mobile home, Room
Why Do I Need Renters Insurance?
The question is, do you have personal belongings? Are these personal items worth anything to you? If you were to lose all of your things in a fire, would you be out very much? If so, then you need renters insurance.
Even if you only own a few valuable things, it’s important to have coverage in case you experience a tragic event and suffer loss. Most people do not want to face replacing any of their belongings.
What Does Orange County Renters Insurance Cover?
A renters policy is very similar to a homeowners policy. The main difference is the owner of the structure will be responsible for insurance for the home structure. Renters insurance just covers the personal items. This will take effect in the event of:
- Weather damage
- Plumbing issues (water damage etc)
- Electrical problems that result in damaged items
- Utility malfunctions that cause damage to your personal belongings
Liability is also covered under your renters policy. This protects you in the event that someone in your home gets hurt and decides to sue. However, there are some limitations. The injuries or damages must come from the insured person, a member of the insured’s family, or the insured’s pet. If those requirements are met, then personal liability coverage kicks in.
What is Not Covered by an Orange County Renters Insurance Policy?
Similar to a homeowners policy, you will need to consult with an insurance specialist if you need additional coverage for floods or earthquakes.
It is important to review the terms of your renters insurance to ensure that you have adequate coverage for all situations. A professional insurance specialist at Coffer Insurance Services is ready to discuss your next steps to make sure you have protection when you need it most.