Renter’s and Homeowner’s Insurance in Sacramento & Beyond

What is Renter’s Insurance?

Basically, renter’s insurance acts as a homeowner’s insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, or duplex, renter’s insurance protects you and your assets. Having renter’s insurance helps devoid costs of damages should anything happen to a rental property that you are living in. You can find out more about our insurance quotes in Lodi, CA, and all of the surrounding areas when you contact us.

There are a number of benefits from purchasing renter’s insurance from Eugene C. Yates. All of your belongings are covered as well as anything else that is listed in your policy. At a minimum your renter’s policy should cover all of the following:

  • Fire, Smoke & Water Damage
  • Wind Damage
  • Lightning
  • Burglaries
  • Vandalism

In addition, if one of your friends or family members sustains an injury in your rental unit, your renter’s insurance would help pay the medical bills up to the limit of the policy. It is up to you how much liability insurance you want to purchase in your renter’s policy. The liability insurance covers you if you are sued, up to the limit of the policy.

Doesn’t My Landlord’s Insurance Cover Me?

NO! Do not make the mistake of assuming your landlord’s homeowners insurance covers you and your assets. A landlord’s policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has rental insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.

The Next Step…

Purchasing renter’s insurance ensures that your property is protected. In addition to selling many policies for homeowner’s insurance in Sacramento and nearby, we specialize in renter’s insurance. Don’t make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets. Contact Eugene C. Yates Insurance Agency today for more information and fill out our free renter’s insurance quote form. Our insurance specialists offer every kind of insurance—from renter’s insurance in California to life insurance in Elk Grove, CA. We look forward to hearing from you.