Renters Insurance | AA Lares Insurance

Your landlord can sleep at night, but what about you?

With the real estate market in flux, many people are opting to rent these days in California and throughout the country. Whether you're moving into an apartment, condo, duplex, or house, thinking you don't need the added expense for Renters Insurance can be a costly mistake. Look, stuff happens. fires can and do break out. Your landlord's insurance covers the damage to the building, but your possessions are toast if they're damaged in the flames.

Do the math, and you'll see that the cost to replace all of your personal items- from clothing and furniture to electronics and appliances - could be catastrophic. AA Lares Insurance Services offers Renters insurance to protect you from the unexpected. With a variety of coverage options, amounts, deductibles, and other selections to choose from, you can protect your property from a host of perils including damage resulting from fire, theft, smoke damage, water leakage, and more. The policy also includes personal Liability, protecting you if someone is injured in your home.

UNDERSTAND YOUR RENTERS POLICY

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Replacement Value of Your Home - Extended Replacement Cost coverage can be added to your policy, ensuing your home is rebuilt to its pre-loss appearance with the same standards and quality of materials used originally.

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Personal Property - Optional Replacement Value coverage ensures your personal property is replaced at full value - so no matter how old your items are, no deductions for depreciation apply. Our experts advise that this coverage should be selected on an "all-risks" basis. Also, we recommend you included expensive possession (such as jewelry, collectibles, and art) in a separate list.

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Personal Liability - The appropriate amount of Personal Liability coverage to include in your policy may vary depending on the value of any assets you may own. We can help you determine what you need.

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Special Coverage - If you have high-risk assets such as fences, pools, outbuildings, etc., they may have only minimal coverage under a standard Homeowners policy. We can help ensure you have sufficient protection. You may also want to consider a separate Flood policy if your home is in an area prone to flooding, as Homeowners insurance does not cover this risk.