If you have ever had anything stolen you know what a hassle it can be. The issues can be even worse if your house or apartment was broken into and you are missing many different items. Along with figuring out exactly what was stolen, you also have to figure out how the thief got into your house. Luckily, investing in the right renter’s insurance policy can help to ensure that you are not left paying for the stolen items out of your own pocket.
While your landlord will have an insurance policy for your home, it will only provide coverage for the structure of the home, not for your belongings that you keep in your house. The only way to protect your personal belongings is to invest in a separate renter’s insurance policy. A renter’s insurance policy will provide liability coverage if anyone is injured while visiting your home.
When deciding on how much coverage you need, you should take into consideration how much your belongings are worth. Creating a home inventory will give you a better idea of how much insurance you need to invest in. Make sure that you have enough coverage to replace all of your belongings in case of a disaster.
When you file a claim with your renter’s insurance, you will have to let them know what items were stolen, as well as what each item was worth. When you receive your payout for what was stolen, it will be minus your deductible.
For all of your Northern California renter’s insurance needs, contact the insurance professionals at Agers Insurance Services in Oakley, California. As an independent insurance company we will work with you to make sure that you have the coverage that you deserve, all at the right price to fit your budget.