Just as homeowners insurance is imperative for people buying a home in California, Renters Insurance is equally important for those renting in California. Although California Renters Insurance would not cover the structure, it would cover personal belongings should there be a fire, theft, or some other type of damage or disappearance
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Unfortunately, many people who choose to rent instead of buy give little thought to the importance of California Renters Insurance. For college students and young couples, the first thought is that the price is far too much to afford. In reality, California Renters Insurance can be purchased for as little as $10 a month. That is a price anyone can afford and the peace of mind of knowing personal belongings such as a stereo, furniture, a bicycle, or X-box are protected is well worth the small investment.
Many times, students renting a home or apartment are on a tight budget because of school. In addition, these people seldom have any type of savings account to cover damaged or stolen items. Therefore, with California Renters Insurance, a small deductible would apply after which time the personal items would be covered. Keep in mind that Renters Insurance is even available for students living in residence halls or dorms so there are many options for protection.
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Sadly, people who rent and choose not to buy California Renters Insurance do not understand the ramifications of not having this type of insurance until after the problem occurs. Typically, one policy would be purchased to cover tragedy, theft, or negligence. In some cases, California Renters Insurance would also cover the possibility of bankruptcy after a loss happens. However, if special things such as jewelry, weapons, expensive artwork, or other unique valuables need to be covered, you would be required to purchase a special policy separate from the standard Renters Insurance.
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The standard California Renters Insurance policy covers the actual cash value of personal property. Payments are based on the replacement cost of the property minus a deduction for physical depreciation and obsolescence. If you add replacement cost overage (for an additional premium), the insurance company will pay one of the two amounts below, whichever is lower.
1. The cost to replace the property with a similar type and quality of property without a deduction for depreciation.
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