Category: Renters Insurance

A large percentage of people renting homes and living spaces in Concord, CA, have renters insurance. Many of the residents with renters insurance assume that their policy overs their belongings if they are stolen from their cars. This might be true or not true for you as a renters insurance policy, depending on the theft situation. Here’s why:

What Was Stolen? 

Generally, your renters insurance will cover items stolen from your personal items stolen from your car parked at your home. For instance, if you have left your smartphone, your personal laptop, and your company’s hard drive in your vehicle and it was broken into, and all of the items are stolen. Your renters insurance will compensate you for your smartphone and personal laptop, but not for the company’s hard disk. If your car stereo is also stolen during the incident, your renters policy won’t compensate you for it. The policy will not also take of the damage done to your car when the perpetrators broke into it to steal your items. It will not also cover your vehicle if it’s stolen with your personal items in the theft.

This is why at Land Home Insurance Services, we advise that you get a separate car insurance policy even if you have renters insurance.

Where Was the Car?

Renters insurance will typically cover all your personal belongings stolen from your car, whether the vehicle is at home, across the country, or on another continent. Therefore, if you are traveling the world in your car, you can expect your renters policy to protect all your personal belongings if your car is broken into. However, there is an exception to this rule; your renters policy won’t cover your personal belongings stolen from your vehicle in a war zone.

Contact Us Today

Are you a Concord, CA, resident looking for renters or auto insurance? At Land Home Insurance Services, we have the best renters and auto insurance deals. Call us today.

The Concord, CA area can be a great place for someone to move to. This part of California offers many amenities including good job opportunities and access to local recreational options. As you are looking for a place to rent here, you should ensure that you get the right insurance. There are several situations when someone will need to have renters insurance here.

When Required by Lease

Many landlords throughout the Concord area will require tenants to obtain renter’s insurance due to the liability protection that it provides the policyholders. Depending on the situation, they may require that you obtain a plan that is paid for in full and covers the entire lease term. You may need to provide evidence of coverage before moving into your new home. 

When Trying to Protect Assets

You should also get a renter’s insurance plan when you want to protect your assets. Renters are going to bring a variety of personal items with them, which can include clothing, furniture, kitchenware, and electronics. It is important to know these are covered if you are a victim of theft or some form of damage. With renter’s insurance, you will have the protection in place that you need to cover your belongings.

If you are going to rent a home in the Concord, CA area, it is important to recognize the different risks that come with entering into a lease and living in a rented home. A way that you can mitigate some of these risks is by getting a proper renter’s insurance plan. If you are looking for new coverage here, Land Home Insurance Services can help you build an appropriate plan. Land Home Insurance Services will help you assess your different needs and options and choose a plan that will provide the right coverage.