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Renters Insurance California

What Is Renters Insurance?

Many people become confused when you mention renters insurance and ask "What is renters insurance?".  But it isn't difficult to explain and all of us have been in the position of renting equipment that could get damaged. This is often done on the understanding that the insurance for their house or car for example will cover any equipment that is rented to them.

Now many people believe that when they rent a property that they are automatically covered on the insurance of the landlord. This is not the case and whilst he does have insurance, it is only for damage to the structure of the property.

This insurance does not cover your personal possessions or liability and if you cannot you replace them immediately, out of pocket then you need renters insurance. Also, if it is provide that the damage was as a result of negligence on the part of the tenants then they will be liable for any costs incurred.

There is in fact another reason to organizing renters insurance. Lawyers fees and medical costs will be the renters responsibility if someone is injured owing to negligence so this is a good way to prevent large costs being incurred. This would be a problem for most people to pay ordinarily but for a small premium per month this particular aspect would no longer be of concern.

It is quite common for people to rent a car believing that their own insurance will cover the costs if there is an accident but this isn't always the case or if they do it has limited conditions but a worthwhile check should be carried out on the credit card you paid for the rental on as this may cover the costs. After you have checked your car insurance plus your credit card conditions and find that they do not cover renters then taking out this type of short term insurance will not break the bank at approximately ten dollars or so per day it is far less expensive than replacing a new car.

Of course there are many more areas where rental insurance can be used even if you are renting sports equipment for a vacation. Don't dismiss the decision to by renters insurance; the peace of mind of knowing you're covered in the event of a mishap is worth the small price of renters insurance. How much you will pay will depend on many factors as with all types of insurance but you can guarantee that certain factors like location, company you decide to use and what your deductible is will all be relevant. Take a look around before you decide on what company to use and try looking on the internet as discounts are often found there and adjust the deductible amount until the insurance premium is within your budget.

Hopefully this article has answered the question: "What is renters insurance?". Get free quote comparisons at

Copyright (c) 2007 Keith Mallinson


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