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Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.

Matt and Bethany, Charleston SC

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Renters insurance CA is hugely critical because there are so many people renting homes in the state of California. With the largest population in the entire country, CA is home to millions of renters, so the market for insurance is vast. Renters insurance CA contains two important basic areas of coverage, personal property and personal liability insurance. These two parts of a policy work in different ways to protect insured policy holders renting a house, apartment or other rented dwelling in the state of CA. Getting a basic sense of what's included and maybe grabbing some free online quotes can help you decide whether you should invest in renters insurance CA. Read this guide and decide for yourself.

Personal Property Protection

Personal property protection for your home is a big part of every renters policy in CA. Whether you live in a huge condo or a small loft does not matter, because you are not insuring the value of the home you live in; rather, you are insuring the value of your possessions. Renters insurance CA property coverage strictly concerns itself with the personal possessions of the renter. The physical structure itself is the concern of a homeowners or landlords policy.

Personal property coverage in a CA renters policy takes care of your possessions by insuring them against the risk of loss. It does not prevent losses from occurring in the same way a deadbolt or an alarm system might prevent a break in at your condominium. It provides security in a different kind of way, giving you assurance that if something does go wrong with your belongings, you are equipped to deal with the situation and move on with your life. It's hard enough to deal with things when you do have a great renters insurance CA policy. Just having to physically do the work of assessing what you lost and trying to replace it all is hard. Imagine having to do it without any help, financially or otherwise. The prospect is frightening.

Your CA policy covers you in a wide variety of loss circumstances. Some of the events covered include fire, theft, vandalism, hail, certain types of water damage, electrical damage, and many others. You can get a full list of what's included simply by looking over a quote from your local provider. There are also some notable exclusions to keep in mind. Floods, earthquakes, and tornadoes are not covered by a standard renters policy, but you can get riders for special coverage against these threats or separate policies insuring you against loss in these types of instances. Check with your provider for full details and a complete listing of limitations and exclusions to your renters insurance CA policy.

Personal and Family Liability Insurance

The premium you pay for renters insurance CA also includes liability insurance for you and your family, including any family members who live with you in your condominium or townhouse. Renters insurance liability protection safeguards you from having to personally cover the financial cost of dealing with civil claims that could come out of liability situations at home. They may be either based on bodily injury or property damage expenses, and could involve any member of your household.

A visitor to your home could get injured in an accident of some sort, and come after you for the cost of medical expenses, lost wages and other fees. Whether or not you or a member of your household was directly at fault for the accident, you could be held liable in a civil court for some or all of those expenses. If you are uninsured this kind of accidents could set you back tremendously. But with dependable renters insurance CA liability coverage, you can rest easy knowing you have some back up.

Your carrier can arrange for legal representation in these cases. If you lose, your policy will pay out on covered losses up to the limit of the plan, less your deductible. This deductible is much less daunting to face for CA renters than the full cost of the civil judgment. Whether you're a young student putting yourself through college or a senior citizen renting a home near loved ones, you can take great comfort knowing you're covered.

Get Some Quotes and Start Saving

The average cost of a renter insurance plan in the state of California is among the highest in the nation; but even at that, it is still only around $20 per month on average [1], certainly an affordable fee for most of us. For less than a dollar a day you can protect yourself from multiple types of risk in your life as a renter. Get some free quotes for renters insurance CA and find out what a California policy would cost you.

[1] Retrieved 2010-01-24.