Property Insurance in California

Even if you’re just renting your dwelling, it’s important that you get insured. A lot of renters make the mistake of believing they’re not at risk all because they don’t actually own their residence. While the dangers might be less when compared to owning a property, renting one out comes with its own unique perils. Remember, the apartment you’re renting still houses all of your personal belongings and valuables. By buying property insurance in California from a company like for your rental, you can sleep sound at night knowing your personal belongings will be covered.

Common Questions for Rental Property Insurance in California

  1. My Landlord has Property Insurance for the Apartment I’m Renting. Am I Covered by That? – The property insurance policy that your landlord purchased for the unit they’re allowing you to rent covers the structure against damages and losses caused by natural events, water damage, and injuries caused to others. That said, you should understand that you as a tenant are not included in your landlord’s property insurance in California. You should see to it that you buy a separate insurance to cover yourself and your belongings just in case anything happens to cause damage or loss that your landlord won’t cover you for.
  2. How Much Insurance do I Need? – This one’s not set in stone. The answer for this question depends on how much insurance you think you’ll need. For those who have a lot of valuable items in their apartment such as expensive appliances, big furniture, jewelry, and other pricey items, you can get insurance from here that offers you a bigger coverage for a higher premium. Those who don’t have much to lose in case of natural events or thefts can choose to go for less coverage. Either way however, it’s important to get coverage against injuries caused by the property.
  3. If an Accident Causes Damage to the Apartment, will My Renter’s Insurance Cover It? – No. Your renters insurance was issued specifically for the purpose of protecting you and your belongings. Because you don’t own the apartment or house that you’re renting, you will not be held liable for performing the necessary repairs in case an accident manages to cause destruction to the structure. If your personal belongings are affected however, you can use your insurance to reimburse the value of the items that you lost. Renters insurance was intended for your use, not for the benefit of the landlord.