Renters Insurance in California

Even if you aren't a homeowner but you're renting in California, it's a good idea that you have renters' insurance set up. Talk to a professional such as the team at Manteca Insurance & Financial Services. Serving the greater Manteca, CA area, we're proud to help our customers find just the right coverage for their needs.

Renter’s Insurance in California - What You Should Know

First, it's important to note that you are not required by law to have renters' insurance in California. However, your landlord may expect it of you. This is something that should be discussed before you sign the lease and, in many instances, it will be included right in the lease. If this is the case, you'll want to know what this means.

It's in your benefit to have this type of insurance. This is because it covers things like damage, losses, and injuries that occur on or to the property. Landlords may seek payment from out of your renters' insurance coverage if this occurs but, in most cases, they won't do so for normal wear and tear on the property.

Renters' insurance may include the following, depending on the company. However, you may have to get insurance riders to cover any additional aspects.

  • If damages occur at your apartment the insurance helps to cover replacement or repair costs. This also can apply when someone is injured while they are visiting your apartment or if there's negligence on your part. This is known as personal liability coverage.
  • Related to this is medical payments made to others for their injuries on your property. You may be asked to have this included in your renters' insurance.
  • If you can't use your apartment for some reason (for instance, there's been a fire or water damage), you may have coverage for the cost of staying in a local hotel or to afford some other accommodations.

Renting an apartment or home can be complicated but it doesn't have to be. With the help of Manteca Insurance & Financial Services of the Manteca, CA area, the process of getting your renters' insurance should be easy. Contact us today to learn more about getting this coverage in California.