Protection for Your Personal Belongings and Valuables
If you rent a home in California, you don’t need insurance protection for the structure of your dwelling, as that belongs to your landlord. But what would you do if something happened to your personal items inside the home? Would you be able to replace them out of your own pocket after a fire or theft?
Renters insurance was created to protect people just like you who need insurance for their belongings, like furniture, electronics, clothing, and housewares. Extra coverage can be easily added at a nominal fee for valuables like jewelry, antiques, fine art, furs, firearms, precious metals, or collectibles.
Renters insurance covers your personal property against vandalism, theft, or loss to many kinds of disasters, like fire and storms. You won’t have to worry about paying out of pocket to replace your belongings.
Our Independent Agents Can Help You Select the Right Coverage
We have two main questions to ask you so that we can customize a renters insurance policy just for you. First, we need to determine how much coverage you need. If you’re not sure, taking a photo or video inventory of your belongings with your mobile device can help us make suggestions for your coverage.
You may wish to have full replacement cost for your items, which does not include depreciation. Or, you may want a policy that reimburses you for the actual cash value of your property in the event it’s lost or damaged.
Also, we’ll talk about your deductible. This is the small amount you pay on your own when you file a claim before your policy kicks in. Typically, the higher the deductible, the lower the cost of your premium, and vice versa. We aim to tailor a policy that works with your individual budget while still providing adequate protection.
Have more questions? Feel free to reach out to the independent agents at Mark Jackson Insurance Agency. You’ll love the level of personalized service you receive. Give us a call at 714-779-2629 or message us online, and we’ll get started on a quote right away.