Renters Insurance in Upland, CA
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Renters insurance, or tenants insurance, may cover your personal belongings, liability and additional living expenses that landlord’s insurance typically does not cover.
How Does Home Insurance Differ from Renters Insurance? 
Renters insurance is similar to homeowners insurance in that both may cover liability and personal belongings. The main difference is that home insurance often covers the home’s physical structure. Renters insurance does not cover the building, since that is usually covered by the landlord’s insurance.
What Are the Benefits of Renters Insurance?
Standard renters insurance policies often include the following:
- Liability coverage may provide financial support if you, a family member or your pet is responsible for a third party’s bodily injuries or property damage. If you are sued, this may also cover your legal fees and court awards up to your policy’s limits.
- Personal belongings coverage may cover your appliances, clothes, electronics, furniture and other possessions if stolen or damaged by events like fire, vandalism and windstorms.
- Loss-of-use coverage may help pay for accommodations, restaurant meals and other temporary living costs if you must vacate your rental home following a covered event.
Damage from floods and earthquakes is often not included and may require supplemental policies.
How Much for Coverage?
Renters insurance rates vary because insurers calculate premiums differently. However, they often consider your location, claims history, deductibles and coverage limits.
To save on premiums, consider a higher deductible or ask your agent about potential discounts for bundling policies or installing smoke detectors and security equipment.
Contact Us
Renters in Upland, CA trust Thrifty Insurance Services for reliable renters insurance policies. Contact us today to get a free quote.