Renters Insurance
Renting a home or apartment in Southern California comes with its own set of risks—and while your landlord’s insurance covers the building, it won’t protect your personal belongings or shield you from liability. That’s where renters insurance comes in. Affordable and essential, renters insurance provides peace of mind by covering your possessions, personal liability, and living expenses in the event of a covered loss.
Whether you’re renting in Los Angeles, Orange County, San Diego, or anywhere in between, our agency can help you find the right renters insurance policy to fit your lifestyle and budget. We partner with top-rated insurance carriers to offer reliable protection tailored to Southern California renters.
Personal Possessions Coverage
One of the main components of renters insurance is coverage for your personal belongings. This includes furniture, clothing, electronics, kitchenware, and other items you own. If your possessions are damaged or destroyed by covered events—such as fire, smoke, theft, vandalism, or certain types of water damage—your renters insurance can help pay to repair or replace them.
We recommend taking a home inventory to determine the value of your belongings. You’ll then be able to choose a coverage limit that meets your needs. Replacement cost coverage is also available, which reimburses you for new items rather than the depreciated value of lost ones.
Liability Coverage
Accidents can happen anywhere, and renters insurance provides important liability protection if someone is injured in your rental unit or if you accidentally cause damage to someone else’s property. For example, if a guest trips in your apartment or your dog bites a neighbor, liability coverage can help cover medical bills, legal fees, and settlements.
Standard policies typically include $100,000 in personal liability coverage, but higher limits are available if needed. This coverage helps protect your finances and gives you added security in case of lawsuits.
Additional Living Expenses
If your rental becomes uninhabitable due to a covered event—such as a fire or major water damage—renters insurance includes additional living expenses (ALE) coverage. This benefit helps pay for temporary housing, meals, and other necessary costs while your home is being repaired.
In high-cost areas like Southern California, ALE coverage is especially valuable. It ensures you won’t be left scrambling to find a place to stay or covering unexpected living expenses out of pocket.
Protect What Matters Most
Renters insurance is one of the most cost-effective ways to protect your personal property and financial security. Troy Kelly is here to guide you through your options, explain what’s covered, and help you find a policy that fits your needs.
Don’t wait until disaster strikes. Contact us today for a free renters insurance quote or consultation. We proudly serve renters throughout Southern California with trusted advice and quality coverage. We also offer other types of insurance, including auto insurance, life insurance, and more based on your needs.