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SAN FRANCISCO RENTERS INSURANCE

San Francisco renters insurance is something that all San Francisco renters should consider when searching for their perfect home down by the Bay. San Francisco is one of the nicest places to rent in the United States. Located on the magnificent west coast, it features the perfect combination of culture and nature with ideal neighbourhoods around every city street. With an excellent public transportation system, delicious restaurants and eateries, Victorian architecture and, of course, the symbolic Golden Gate bridge, tourists and locals alike are completely in awe this city by the Bay. However, unfortunately, for San Francisco dwellers and renters, this awe inspiring lifestyle comes with a price. And, like many areas in California, living the good life down by the Bay does not come cheap. Luckily, people living in San Francisco can at least find affordable renters insurance quickly and easily by getting free renters insurance quotes.

Down by the Bay - Cost of Living

When shopping for California renters insurance, it is important to know what you are looking for. You can expect warm summers and breezy winters with a very low chance of ever seeing snow when living in Bay City. However, this does not mean you should forgo San Francisco renters insurance simply because the weather remains tepid. Keep in mind that San Francisco is on the coast and there are a number of earthquakes that strike the California area every year. It is always best to be prepared for any natural disaster, including flood, fire, hurricane, snow storm or earthquake.

Some of the most sought out neighbourhoods in California include the gay-friendly Castro district, the artistic Bernal Heights, the wealthy Pacific Heights and the eclectic North Beach. However, no matter where you choose to rent, you can not only expect a steep climb to your driveway (after all, the city is built on 43 hills), but also a steep price in your rental apartment.

In 2008, some of the most popular places to live were well over $2,000 a month for a two bedroom apartment [1]. The Sunset District and Richmond district were the lowest rental areas with Pacific Heights and Nob Hill competing for the most expensive apartments for rent. You can expect anywhere from $1,100 to $2,400 per month on average for a studio apartment, anywhere from $1,500 to $3,700 for a one bedroom apartment, and anywhere from $1,900 to $3,800 for a two bedroom apartment in San Francisco [2]. This is well above the national average in terms of rental prices. Unfortunately, the cost of living is also just as steep as the housing market with the estimated cost of living 66% more expensive than the national average [3]. However, as most San Francisco renters will tell you, the beautiful buildings, the quaint neighbourhoods and the stunning views make it all worth while.

Why San Francisco Renters Insurance

Many people wonder just how much renters insurance costs when comparing prices. When you are paying over $2,000 per month for a one bedroom apartment, it may seem ridiculous to question an additonal $20 per month for renters insurance. However, the majority of renters do not have San Francisco renters insurance on their townhouse, apartment, loft or condominium. With the expensive lifestyle that comes with being a local, it only makes sense that you would want to protect your belongings from any disasters or robberies that could take place. And, most San Fran locals are happy to learn that they can actually get a bargain when it comes to San Francisco renters insurance.

The national average for renters insurance is currently at $240 per year or 20 per month [4]. San Francisco renters insurance is priced at $244 per year which is just slightly over the national average [5]. Considering San Francisco is well above the national average is almost every other category, from car insurance to housing prices, this is a huge break for renters across the Bay City area. It also provides even more incentive to purchase San Francisco renters insurance for the protection of your possessions.

The reason to get San Francisco renters insurance is simple - just in case. Although San Francisco is relatively low on the national crime rate and also does not normally fall victim to freak flooding, snow storms or tornados, there are plenty of other natural disasters that could occur. Furthermore, most San Francisco renters are either busy working singletons or busy working family men who do not need the hassle and the headache of replacing their contents after a disaster in their rental apartment. College students and senior citizens should also consider San Francisco renters insurance just in case something goes wrong. Theft is common in on and off campus housing and most students cannot afford to replace their apartment contents while attending school. Furthermore, most senior citizens do not have the funds or the ability to charge a new living room set to the credit card.

Many San Fran renters will assume that the landlord will pay for any damages they have incurred due to a problem in the condo. However, this is not the case. A landlord may be responsible to fix the problem but he is not in charge of buying you new furniture or replacing the thousands of dollars of jewels that was stolen during a riot. This is up to you.

A final reason to opt for San Francisco renters insurance is simply because your stuff is worth this protection. For many of us, our stuff is what defines our life. Perhaps your son took his first steps on that carpet in your living room; perhaps that watch sitting in your safe was the first present given to you by your wife; perhaps you experienced your first kiss on that couch in the dining room. These items may just be materialistic goods but they carry memories and moments that are priceless. Protect these memories by insuring for all situations.

Finding San Francisco Renters Insurance

Finding San Francisco renters insurance is actually a lot simpler than most people will realise. All you need to do is do a quick search and comparison based on your zip code. That's it. The online comparison wizard will take care of the rest, scanning through several credible San Francisco renters insurance companies to find the best premium options for you. All you need to do is look through the different options, compare the prices, the deductibles and the policy extras and determine which insurance plan will work with your needs.

Make sure you look into property insurance, liability insurance as well as any extra coverage you may need when comparing San Francisco renters insurance. Property possession insurance will cover the cost of replacing your material items if something happens to them while liability coverage will protect you in case someone gets hurt and sues in your apartment. However, you might want to consider extra coverage and higher deductibles if you have incredibly expensive stuff or you may want to consider medical insurance if you live in an unsafe building.

Living in San Fran has a number of perks; however, the expensive cost of living is most certainly not one of them. You can protect your rental apartment and your belongings by purchasing insurance. San Francisco renters insurance will cost you less per month than your Sunday morning brunch and can save you financial and emotional hardship if something disastrous happens to your home.

Request a comparison from leading California insurance providers today. Our service provides free renters insurance quotes throughout San Francisco, California areas of Berkeley, Castro, Chinatown, Civic Center/Tenderloin, East Bay, Fishermans Wharf, Glen Park, Haight-Ashbury/Cole, Hayes Valley, Marin, Marina-Bay Area, Mission, Nob Hill/Russian Hill, Noe Valley, North Beach, Oakland, Pacific Heights, Peninsula, Richmond District, SF Financial District, San Francisco Intl Airport, SoMa/Potrero Hill, Sunset, Union Square/Fidi, Western Addition, Wine Country and more...

[1] [2] http://www.rentalguide.com/aboutthemarket.php 2009-11-04
[3] http://realestate.yahoo.com/California/San_Francisco/neighborhoods/ 2009-11-04
[4] http://www.insurancerate.com 2009-11-04
[5] http://www.insure.com  2009-11-04