Renters Insurance

If you do not own a home, renters insurance is an extremely inexpensive option to protect your contents. We sell a lot of renters insurance policies and advocate their benefits as many times, the multi-policy discount to your auto policy will more than pay for a small renters insurance policy. It’s common to not only get the renters insurance for free after applying the discount to your auto insurance, but being given such a big discount that having both policies costs you less than just the auto.

Why Should You Have Renters Insurance?

The answer is simple: you sleep better at night and feel better when you are away.

Often, renters don’t realize that the owner/landlord has insurance for the building but what is inside your walls is not covered unless you insure it yourself.

It doesn’t matter if you’re renting an apartment, a condo, or a home – most likely, your landlord’s policy is not going pay for that beautiful plasma TV or any other furniture or personal items in the event of theft or other common types of loss, such as fire.

If it’s inside your walls, it’s yours, and you need to protect it. In today’s world we all tend to accumulate possessions, and the value of contents can add up very quickly. Making sure you have sufficient coverage can help you get back on track a whole lot easier than if you try to go it alone. You’ve worked too hard for what you have to lose it all in moment’s notice. Let us take the risk.

The experts at Ted Hamm Insurance Agency are just a click away. Don’t wait another minute – get a free renters quote today!

Put Ted Hamm Insurance Agency work for you! Ask about our discounts and special programs. Many discounts are available on renters policies, especially for certain safety features such an interior and/or exterior sprinkler system.

Additional Coverage

Renters policy coverage, sometimes called “apartment insurance,” not only protects personal property like your TV, furniture, and clothing from a variety of losses, but can also include liability coverage which could help if someone is accidentally injured on the property due to negligence, such as slipping on a wet floor in the kitchen.

Rental Properties

Our agency also writes Non-Owner Occupied Properties sometimes referred to as Landlord Property or Rentals. We can write them if the home is rented out year round, or even if it’s a weekly or seasonal rental. We also are able to write rental homes for out of state owners, which many companies in California are not able to do.