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What is renter’s insurance and do you really need it? As its name implies, renter’s insurance is an insurance policy for people who rent places to live. If your landlord’s homeowner’s insurance policy does not cover your personal items. then renter’s insurance is a good thing to have. It provides coverage in case of theft or fire / water damage. Renter’s insurance gives you peace of mind and it can be as cheap as a few dollar a day. At that price, it’s silly not to get renter’s insurance. Call us for a San Diego Renters Insurance Quote.
What Does Renter’s Insurance Cover?
Renter’s Insurance allows you to protect the things that are important to you. Here are some situations where renter’s insurance will come in handy:
- If you were robbed or if there was a fire or a burst pipe, the insurance plan will pay for your losses. You may need to pay a deductible, and there may be a limit on how much you will be reimbursed, but at least you’ll get some money so you can rebuild.
- If your rental unit is in terrible shape and you need another place to live, renter’s insurance will cover hotel expenses. You may get a reimbursement for meals and other living expenses too.
- If someone gets injured while they were at your place, they can sue you for damage and injuries. Renter’s insurance will protect you from liability.
- Similarly, if a person gets an injury while at your place, renter’s insurance will pay for some of the medical bills resulting from the injury.
- We sincerely hope that you will never experience a home robbery or a fire. And we hope that you will never have someone injured while at your place. But IF these things happen, renter’s insurance will help you get back on your feet (loss of property) and avoid financial ruin (liability).
Get a San Diego Renters Insurance Quote
One of the best things about renter’s insurance is that it’s not that expensive compared to health insurance or car insurance. At KM Insurance Services, we can get you an affordable San Diego Renter’s Insurance Quote that provides the protection you need. We work with 20+ insurance providers so you can be confident that you’ll be getting the best deal in town. Contact us by Email or by telephone at: (619) 667-2880.