Sus pertenencias
Muebles, ropa, electrónicos y bicicletas, en casa y fuera de ella.
Seguro de Inquilinos
La póliza de su arrendador cubre el edificio. Esta cubre todo lo que usted tiene adentro, más su responsabilidad civil, normalmente por menos de lo que gasta en streaming.
Póliza pequeña, protección grande
El seguro de inquilinos son tres protecciones en una: sus cosas, su responsabilidad y un lugar donde quedarse si una pérdida cubierta lo deja fuera.
Su responsabilidad
Un incendio de cocina que se extiende o un invitado que se lastima, con defensa legal incluida.
Un lugar donde quedarse
Hotel y gastos de vivienda mientras reparan su apartamento tras una pérdida cubierta.
Para inquilinos en toda California
- Inquilinos cuyo contrato exige una póliza
- Compañeros de piso definiendo quién cubre qué
- Primeros apartamentos y primeros muebles buenos
- Cualquiera con bicicleta, laptop o cámara que viaja
Qué cubre y qué no
Generalmente cubierto
- Your belongingsFurniture, clothes, electronics, and bikes, whether at home, in your car, or traveling.
- Personal liabilityIf someone is hurt in your place or you accidentally cause damage, like a kitchen fire that spreads.
- Somewhere to stayHotel and living costs if a covered loss makes the apartment unlivable.
- Theft away from homeA laptop taken from a cafe or gear stolen from your car is typically covered, minus your deductible.
No cubierto aquí
- The building itselfWalls, roof, and systems are your landlord's policy, not yours.
- Your roommate's thingsUnlisted roommates need their own policy. Coverage follows the named insured.
- Flood and earthquakeBoth are separate policies, same as for homeowners.
- High-value items above limitsJewelry, art, and instruments have sublimits. Scheduling them fixes that.
Preguntas frecuentes
My landlord requires renters insurance. Is that normal?
Yes, very. Landlords require it mostly for the liability part, so that a fire or water loss you cause has a policy behind it. Meeting the requirement usually takes minutes and the certificate goes straight to your landlord.
Isn't my stuff covered by my landlord's insurance?
No. The landlord's policy covers the building, not your belongings. If the building burns, their policy rebuilds the walls and yours replaces what you owned.
How much is renters insurance?
It is usually the least expensive policy people buy, often less than a streaming subscription each month, though price depends on where you live, your limits, and your claims history. We will quote it in minutes.
Does it cover my bike or laptop outside my apartment?
Generally yes. Personal property coverage typically follows your things wherever they are. Theft from a car or a gym locker is a classic covered claim, subject to your deductible.
What is a scheduled item?
A specifically listed valuable, like an engagement ring, covered for an agreed amount above the policy's standard sublimits, often without a deductible. If you own something special, tell us and we will schedule it.
Coberturas que combinan con esta
Asegúrese antes de la fecha del contrato
La cotización toma minutos, y el certificado que pide su arrendador sale el mismo día.