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Surprisingly, many renters do not have renters insurance. Only about 55% of renters have it, and 75% of those only have it because their landlord or management company requires it. This is concerning. Miao Insurance Services, located in Pleasanton, CA, is a locally owned and operated independent insurance agency that serves the San Francisco Bay Area and all of California.
Landlord Insurance
While landlords have insurance, it’s important to understand that their coverage doesn’t extend to you. Landlords’ insurance covers their property, protecting the building and their belongings within it. Their insurance does not cover your personal property, and if your dog bites someone or your child damages something, you are responsible.
Renters Insurance
Renters insurance covers the personal property that you may have in the rental or your vehicle. Your rental insurance will cover if something is stolen from your unit or your car. You are covered if you lose all your possessions to a fire or tornado. It also provides liability insurance so that you are covered if someone is visiting you and is injured or injured by a member of your family. Another important coverage is loss of use. If a covered hazard damages your rental, rental insurance will help cover the cost of temporary accommodation. Don’t rely on your landlord to protect your property.
If you have questions about renters insurance, give our office a call at Miao Insurance Services in Pleasanton, CA, or stop by our office to discuss your needs with one of our knowledgeable staff.