We understand that in Santa Cruz County your rent is probably twice that of your friend's mortgages in other states. This is the price we pay for living in one of the most desirable places in the world. But while you don't own the home you live in, you most definitely own what's in it. Call us to find out how affordable it can be to protect it.
Renter's Insurance for
Santa Cruz County.
Just Because You Rent Doesn't Mean Your Possesions are Any Less Valuable
With the economy the way it is people are turning to renting homes and apartments more than ever. If you have ever been a homeowner having homeowner’s insurance that includes your personal possessions, loss of use, and liability is standard. As renters, you need to stop and think about your personal possessions. In the case of a loss to your rented property, how much would it cost you to replace all of your clothes, pots, pans, or electronics? Although you might think that individually those items aren’t much to replace they can add up quickly when you realize you have nothing.
Today most landlords are requiring their tenants to sign waivers stating that their personal possessions will not be replaced by a landlord in the event of a loss. A Farmers renters policy will include coverage for contents and liability. You will be allowed to choose the amount of coverage you need based on the property you own. The property is covered anywhere in the world, which means that possession in your vehicle that are stolen will be covered under your renter’s policy. Coverage is on a named peril basis only.
The Renter’s policy is also able to provide you liability protection. This protection can be from an accident, or a negligent act by you or your qualified household members, including the acts of your pets. It covers the cost to resolve claims and lawsuits that are brought against you. The policy also covers medical costs for people who may be injured at your residence, but not members of your immediate household.
Finally, in case you should be displaced because of a loss the renter’s policy will cover your additional living expenses.
Farmers Insurance is able to provide discounts to your renter’s insurance in the following areas:
- MultiLine discounts—for having your auto and or life insurance policies with us
- Renting a Newer home
- Being a Non Smoker
- Having Fire Safeguards in the house
Call us today to see what discounts you qualify for.
Professional or Occupational Discounts Available For Renter's Insurance
Farmers and Mid-Century are currently offering discounts of 10-15% for any customers in the following fields:
- Accountants
- Architects
- Aviation Professionals
- Dentists
- Educators
- Engineers
- Firefighters
- Lawyers
- Librarians
- Doctors
- Police Officers
- Real Estate Agents
- RN’s
- Scientists
- Small Business Owners and Officers
- Veterinarians
Even Retired Professionals in any of the above groups.
Call us today for a free quote.