Renters Insurance California
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California Renters and Homeowners are policies are designed to indemnify (cover your loss) you in the event of a loss to your personal property and protect you in the event you are responsible for bodily injury or property damage to others.

Also see: Rentlaw.com California Guide, Homeowner's Insurance

CALIFORNIA INSURANCE

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In a  condo or co-op, the bank requires insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.

You will need two separate policies to protect your investment:

  • Your own insurance policy.
    This provides coverage for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You also get liability protection.

  • A "master policy" provided by the condo/co-op board.
    This covers the common areas you share with others in your building like the roof, basement, elevator, boiler and walkways for both liability and physical damage.

 

California
You might think you don't need
Renters Insurance if you rent we recommend it.  Add up the cost of your furniture, your electronic equipment, your CD/DVD collection, computer, garments and other personal property. Can you afford to replace everything in the event of a fire or burglary?  
Renter's Insurance in California is relatively inexpensive. The average cost of renter's insurance is approximately $15 a month for around $30,000 worth of property coverage and $100,000 worth of liability coverage. 

Rates vary depending on coverage and your location in California, your building and the amount you want to cover. 

California:  educate yourself. Inquire now - for FREE

 

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