Renter's Insurance
California Insurance Specialists provides competitive insurance for your valued assets by representing many top-ranked National and Regional insurance companies, which allows us to market the most competitive premium and quote to meet your individual needs. Just take a moment to complete the "QUICK QUOTE" request form. You will receive a personalized standard RENTERS QUOTE to compare with your current carrier.
Renters Quote Request
Basic renters insurance will provide coverage for you, and your personal property in case they are damaged by the following:
- fire
- burglary
- water damage
- smoke damage
- explosion
- windstorm or hail
OTHER THINGS TO CONSIDER:
Your inventory:
Take a look around your dwelling. Make note of all items of value, and especially of those items with high value/high replacement cost. It might be good to catalog all of your possessions with photos or a video for easy future reference.
Replacement Cost and Actual Value:
Actual Cash Value pays the original cost of the item less depreciation. Example a 10 year old TV would be covered for its initial cost, minus the depreciated cost. A 10 year old TV is not really worth much today.
Replacement Cost pays the cost to replace an item at todays cost without deduction for depreciation. Example a 10 year old TV would be replaced with a new TV of similar quality. WE HAVE INCLUDED REPLACEMENTS COVERAGE IN YOUR QUOTE.
Personal Liability Protection:
Personal liability pays up to the limits of liability for damages for which the insured is legally liable. It also covers medical expenses for guests that are injured while at your residence.
Specialty Items:
The policy limits the amount that will be paid for certain items. If you have antiques, jewelry, guns, special electronic equipment, or computers you should consider scheduling those items in a personal articles floater. Call our Customer Service Department and we can help you with this type of policy.
Click here for QUICK QUOTE
