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Why Buy Renters Insurance?
Don't make the mistake of assuming your landlord's Insurance will cover you and your assets!
Renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in a condo, apartment or house, renters insurance can protect you and your assets. In the case of personal liability, renter’s insurance can often help you avoid the cost of damages should anything happen due to negligence to the property you are living in.
Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has Rental Insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.
Renters insurance ensures that your property is protected. Don’t make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property.
You are the only one who is responsible for protecting your assets.
Personal Property
Provides coverage for your household items in the event of fire, theft or other covered loss. Did you know that most condo association policies don’t provide coverage for your personal belongings?
Additional Personal Property
Provides additional coverage for antiques, fine art, jewelry and other valuables. This coverage is offered as "Scheduled Items" and is also known as a "floater" on your policy.
Additional Living Expenses
Provides coverage for living expenses if your condo becomes uninhabitable as a result of a covered loss.
Personal Liability Protection
Pays for bodily injury or property damage caused to others as a result of a covered incident.
Guest Medical Protection
Pays medical expenses for your guests who are accidentally injured on your property.
Workers’ Comp Coverage
Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.
Low Rates and Great Discounts!
Everyone likes to save a little money, so you’ll be glad to know that Hodge and Hodge Insurance Brokers represent Mercury Insurance. Mercury offers some of the lowest rates around. And that’s just the beginning because you can save even more with the following discounts:
Multi-Policy (Auto + Renters)
Smoke Alarms
Security Monitoring
Selecting a higher deductible
Please, if you have any questions or need to have any terms or coverages clarified—give us a
call (949-458-0442) at Hodge and Hodge Insurance we want you to have the full protection
you deserve!