Cheap Renters Insurance in Sacramento - Where to Get It

Looking for cheap renters insurance with a reputable company in Sacramento? Here's how to find it quickly and easily.

Renters Insurance

Renters insurance includes the following coverages:

1. Personal property coverage - pays to replace your possessions if they're stolen, or damaged by vandalism, theft, fire, smoke, storms, plus plumbing and electrical failures.

You have two options when purchasing personal property coverage. You can get actual cash value replacement coverage which only pays what you property was worth at the time it was damaged, or you can get replacement cost coverage which pays what it actually costs to replace an item.

For expensive items such as jewelry, furs, electronic equipment, collections, or antiques, you may need to get additional insurance as these items may not be fully covered.

A standard renters insurance policy does not cover you for earthquakes or floods, so if you live in an earthquake or flood zone you'll need to get additional insurance for these disasters.

2. Personal liability coverage - pays for court judgments and legal fees if visitors hurt themselves in your home and sue you. It also covers you if their property is damaged.

Most people get $300,000 worth of liability coverage, but you may need more if you have a lot of visitors or have a lot of personal wealth you don't want to lose in a lawsuit.

3. Loss of use - pays for your living expenses such as hotel and restaurant bills if your home becomes unlivable due to fire, smoke, plumbing damage, or other causes.

Cheap Renters Insurance

Because insurance rates between companies can vary by hundreds of dollars for the same insurance, the best way to get the best price on renters insurance is to compare rates from different companies. And the best way to do that is to go to an insurance comparison site.