Renters

Renters insurance protects San Bernardino tenants from financial losses that landlord policies don't cover. Many renters assume their landlord's insurance protects their personal belongings, but that coverage only applies to the building structure, leaving tenants vulnerable to theft, fire, and other losses.

Your personal belongings have value that adds up quickly when you inventory everything in your apartment or rental home. Furniture, electronics, clothing, kitchen items, and other possessions cost significant money to replace after theft, fire, or water damage. Renters insurance covers these items at replacement cost, helping you get back to normal after covered losses.

Liability protection is included in renters policies, covering you if someone gets injured in your rental unit or if you accidentally damage the property. California's legal environment makes this protection valuable even for tenters, as injury claims and property damage can result in expensive lawsuits that exceed most people's ability to pay out of pocket.

Additional living expenses coverage helps pay for temporary housing if your rental becomes uninhabitable due to covered damage like fire or major water leaks. In San Bernardino's rental market, finding temporary housing can be expensive, and this coverage ensures you have resources to maintain your living situation while permanent repairs are completed.