Saturday, June 23, 2012

Renters Insurance from a local agent

Are you looking for affordable renters insurance in California? Let us help you find the right policy for you.

In the event of a burglary, would you be able to afford to replace your furniture, clothing, books, DVDS, sporting equipment and other personal possessions from your savings? No? Most people can’t and that’s why some level of insurance is usually necessary.

Rented homes are just as vulnerable to theft as owner occupied ones and just because you’re renting doesn’t mean you don’t have valuable possessions! So how do you determine how much coverage you need? Simple – add up how much it would cost you to replace everything in the event of a fire that destroyed it all.

While you’re doing that, make up a list of all the property you own. Against major items – particularly appliances - make a note of when you purchased it, and the cost. It’s a good idea to keep receipts for appliances. In the event of a claim you may be asked by the insurance company to show proof of purchase. If you don’t have the receipt, the packaging or box that the item came in, or a credit card statement verifying its purchase is usually sufficient. Having that proof will help speed up the claims process.

Don’t delay in covering your possessions against theft and destruction. Get an online renters insurance quote now from Excelsure Insurance or call us for assistance, we’d be glad to help you figure out would level of coverage you might need.


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