Common Items That Are Not Covered by Renters Insurance

Renting a home or apartment requires insurance, and contrary to what many people think, your landlord’s insurance will not provide coverage. The landlord’s policy will likely cover damage to the building itself, but not any of your possessions. Neff & Associates Insurance Services Inc is here to answer any and all questions that you may have about renters insurance in the Pismo Beach, CA area. Renters insurance is something that you need, and when selecting your policy, it is important to know what items and events are covered and which may require an additional policy or rider. 

Typically, all items such as personal electronics, clothing, and furniture are covered. You will want to discuss any expensive items with your agent as most insurance companies require a separate rider for items such as artwork and jewelry which may exceed the maximum payout allotments. Other coverage that may not be included in a basic policy is alternative housing in the event of total damage. Renters insurance will cover the cost of replacing damaged possessions in the event of a fire, but you will likely require additional coverage for reimbursement of expenses if you are displaced.

If a catastrophe were to strike, you want to make sure that your coverage is exactly what you need. Complete insurance coverage can help you recover from a catastrophic event with a lot less impact; having the right policy in place will help you to put your life back together as quickly and efficiently as possible. Neff & Associates Insurance Services Inc are proud to serve the Pismo Beach, CA area and would welcome the opportunity to help you meet your insurance needs. Please call us today or stop by to meet with one of our knowledgeable agents.