Get free, no obligation quotes from multiple providers

State Farm Insurance Allstate Insurance Farmers Insurance American Family Insurance Unitrin Insurance Travelers Insurance


Santa Ana renters insurance is a valuable and economical coverage option for renters in and around the city of Santa Ana, California. Even though not all renters are completely familiar with renters insurance and some do not have a policy, Santa Ana renters insurance is a very important commodity and an asset for any renter living in a house or apartment in the area. Whether you are a single person renting a small loft by yourself, or a member of a large family occupying a large townhouse, it is good to get all the facts on Santa Ana renters insurance, so you can decide with confidence whether to invest in it or yourself and your family.

How Does Santa Ana Renters Insurance Protect You?

Many people wonder what renters insurance covers and if they even need it. Thousands upon thousands of people rent homes in Santa Ana, the county seat of Orange County, California. Unfortunately, only around 35 percent of renters in the state of California actually have renters insurance, according to one recent poll; this is in spite of the fact that many landlords in Orange County and around California require insurance under the terms of their lease agreements. There are multiple reasons why so many people do not carry Santa Ana renters insurance coverage, from ignorance to its existence to lack of knowledge regarding how little it costs (an average California renters insurance policy costs only around twenty dollars a month [1]).

A basic Santa Ana renters insurance policy has two components, personal property protection and personal liability coverage. The personal property protection is the part that keeps a figurative eye on your possessions for you and insures them against destruction or loss of use. Anywhere between $20,000 and $30,000 is a pretty normal level of coverage, but you can elect to adjust your own insurance level if need be.

Personal property protection as a part of an overall Santa Ana renters insurance policy insures all your personal possessions against the risk of loss. Once you have coverage, you can file a claim if any covered event transpires leading to the destruction or loss of use to any of your personal items, as long as you are not found liable for the loss itself. Your television or DVD player may stop working after a power surge; your furniture and clothing may get burned up in a condo fire; and your jewelry box and all its contents may be stolen in a burglary. These are all examples of covered events in which your Santa Ana insurance policy would compensate you for your loss after an investigation into your claim.

The liability portion of your insurance policy is just as valuable. In addition to protecting your personal items, the annual premium also goes toward helping you deal with liability concerns that may arise from time to time. An example might be a kitchen fire in your condominium in which you were found liable by reason of negligence. Maybe you left a burner on and left the room, only to come back to find everything ablaze. In many cases, your landlord’s insurers will come after you for recompense in this sort of circumstance. You need to be prepared, just in case something like this should happen.

Does Everyone Need Santa Ana Renters Insurance?

Some people are well aware that this coverage option is out there, and even know what the potential cost to them might be versus the coverage included, and yet decide not to carry coverage. As long as Santa Ana renters insurance is not compulsory, this will probably always be the case. With that said, it is easy to make the case that at the very least, any renter could benefit from the coverage afforded by renters insurance.

A young student at Santa Ana College renting an off campus apartment to be closer to school may think of a Santa Ana policy as an unnecessary expense; with student budgets stretched to the limit as it is, many young people attending school feel this way. However, if you can reorder your budget and somehow squeeze in a few dollars for Santa Ana renters insurance, you will be glad you did if you ever have to make a claim against your coverage. Very few college students could afford to replace a stolen computer out of pocket, or even worse, start over after a fire with no compensation. But most of us can tighten our belts a little and afford ten to twenty dollars a month or so in the name of being prepared.

Many seniors call Santa Ana home. A senior citizen renting a condo on a golf course or some other place here should carefully consider adding a Santa Ana renters insurance plan to their stable of insurance coverage. Seniors today are as active as anyone else; who among us has the time, much less the desire, to worry about what we would do if something happened at our home and our personal property was compromised? Realistically, the cost of coverage is justified simply by the fact that it gives you one less point to ponder at night. All of us have enough to worry about without having to think about how we would respond in a claim situation with no coverage.

How Do You Get a Santa Ana Renters Insurance Policy?

Nowadays, it seems as if everything is easier to do than it used to be, thanks to the wonders of modern technology. Perhaps strangely, this is even true of buying a Santa Ana renters insurance policy. Whereas we used to have to either sit at the local agency hoping to get some face time with our overworked agent, or sit on hold all morning on the phone hoping to talk to them that way, we now have the convenience of gathering information on our own terms and buying a policy on our own time.

Your computer is all you need to find out everything you need to know regarding Santa Ana renters insurance. If you are a Santa Ana area renter interested in finding out more about the cost of coverage, feel free to use this site as a handy guide to help you navigate your path through all the information available online. Tenants coverage is not for everyone, in spite of its great value and usefulness; but everyone who is interested is entitled to a fair shot at a great deal. Do not be intimidated by the abundance of data flooding the online market. Focus only on what’s pertinent to you as a resident of Santa Ana, and only spend time looking at companies ready to serve you.

Santa Ana renters insurance is an optional coverage that every renter should take a hard look at when preparing to rent a home in the area. It combines affordability with coverage and gives you the kind of protection you can’t get any other way. Take the time to do the research and gather some quotes for Santa Ana renters insurance. With all the facts in front of you, it will be much easier to make a coverage decision you can live with. The best way to get affordable renters insurance is to request free renters insurance quotes from multiple insurers and choose the cheapest and most comprehensive plan.

[2]   Retrieved 2009-11-23.