California Renter´s Insurance

A renter's insurance policy protects your personal property, home content, furniture, clothes, home electronics etc. Renters insurance can help protect you in case of a liability lawsuit against you.

One more reason to get renters insurance is to protect you against any accident/accidents caused by other tenants. It can also protect against medical bills of guests injured in your apartment. Some landlords require you to purchase renters insurance.

Safe Firm offers you renter´s insurance policies provided by its associated insurance companies in California. We also know that landlord´s insurance policy doesn´t cover any safety to your belongings, because it only insures the physical apartment building against damage from occurrences such as fire, hail and vandalism. The insurance policies available at Safe Firm cover all personal property damages.

Basic Features of Renters Insurance Policy

Safe Firm Insurance Agency is retail seller of insurance products for different insurance companies in California. All insurance companies which we are work with offer a lot of different renter´s insurance programs. Basically renter´s insurance policy covers insured home content, personal property (i.e. furniture, clothes, home electronics etc.) it also offers personal liability coverage. A renter´s insurance policy is designed to provide coverage first of all for personal property. Generally it protects against perils like fire, wind, explosion, vandalism, theft or malicious mischief, water damage, falling objects etc.

Savings on Renters Insurance Policy

Safe Firm works with different insurance companies in California & also helps to find the policy for each customer. We can customize different policies with different companies to satisfy customer´s needs and thereby save time and money of our customer.

Discounts

All insurance carriers that we work with are offering a lot of different discounts in California. Discounts for senior citizens, women, students etc. are available at Safe Firm. The most popular discount available at Safe Firm is “renter + auto discount” (if you purchase two insurance policies with same company).

Claims

Safe Firm helps it´s customers with claim filing procedures handled by insurance company´s claim department in California. We also coordinate with the customers & company representatives to ensure best service for our customers.

Renters Insurance Coverage

At Safe Firm, each renter´s insurance policy has its own set of coverage and it can be endorsed by adding other coverage to the policy. For example policy can be Actual Cash Value (ACV) based, but it can be endorsed to become Replacement Cost policy.

Types of Renter´s Insurance policies:

• Named Peril Bases Policy
  An insurance policy that only provides coverage on losses incurred to your property from hazards or events named on the policy. Named Peril Policies may be purchased as a less expensive alternative to a comprehensive coverage or broad policies, which are policies that tend to offer coverage to most perils.
  
  
• Broad Coverage Policy
  This policy covers loss/ damage to property resulting from windstorm or hail, theft, explosion, smoke damage from vehicles and aircraft, glass breakage, removal of property endangered by covered peril such as fire, vandalism, malicious mischief, and riot or civil commotion. It also covers building collapse or accidental discharge of water or steam from within plumbing, heating or air-conditioning, falling objects, weight of snow, ice, or sleet, and rupture or bursting of steam or hot water heating systems.
  
  

California renters insurance offered by Safe Firm, is designed to protect your personal property, electronic equipment or furniture in case of danger like fire, theft, damage, vandalism or through any storm.