{"id":5982,"date":"2022-02-04T08:21:43","date_gmt":"2022-02-04T16:21:43","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=5982"},"modified":"2023-09-21T18:28:08","modified_gmt":"2023-09-21T18:28:08","slug":"4-common-myths-about-renters-insurance-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/4-common-myths-about-renters-insurance-in-california\/","title":{"rendered":"4 Common Myths about Renters Insurance in California"},"content":{"rendered":"\n<p>Renters insurance is widely available, but California renters often feel that they don\u2019t need it. The reasons for this feeling vary, but this belief is often misguided. Let\u2019s take a look at some of the most common <a href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/renters-insurance\/\">renters insurance<\/a> myths and the reasons they usually aren\u2019t true.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. My landlord\u2019s insurance will cover me<\/h2>\n\n\n\n<p>Not likely. Your landlord\u2019s responsibility ends at the actual structure of the building itself, plus components such as HVAC and plumbing. It won\u2019t protect your personal property unless the damage is your landlord\u2019s fault (like a burst water pipe). If burglars hit your place or <a href=\"https:\/\/www.costulessdirect.com\/blog\/what-to-do-after-a-fire\/\">there\u2019s a fire<\/a>, replacing your property is your own responsibility. Having good tenant insurance is a great way to ensure that you won\u2019t have to dig into your own pockets to replace your possessions if disaster strikes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. My belongings aren\u2019t worth insuring<\/h2>\n\n\n\n<p>If you live in a rented home or apartment in California, <a href=\"https:\/\/www.costulessdirect.com\/blog\/do-you-need-renters-insurance\/\">renters insurance might feel like an unnecessary expense<\/a>. You might think that you don\u2019t own enough \u201cstuff\u201d that is worth insuring. But have you actually looked at what replacing your belongings might cost? Here are a few things to consider:<\/p>\n\n\n\n<ul>\n<li>Have you calculated the value of all the things you own? How much does your laptop and printer cost? That nice winter coat you just bought? Your surf gear?<\/li>\n\n\n\n<li>Do you have a clear idea of how much you\u2019ve spent on your stuff over time? There\u2019s a good chance it\u2019s tens of thousands of dollars.<\/li>\n\n\n\n<li>Would you really have enough cash to replace all of it?<\/li>\n<\/ul>\n\n\n\n<p>Renters insurance&nbsp;coverage makes it easier on your wallet if you ever need to replace it all.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/02\/common-myths-about-renters-insurance-in-california-2-1.jpg\" alt=\"moving boxes in apartment\" class=\"wp-image-5984\" style=\"width:492px;height:327px\" width=\"492\" height=\"327\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\">3. Renters insurance costs too much<\/h2>\n\n\n\n<p>Renters insurance in California actually works out to less than $1 per day. Your morning trip to the coffee shop costs a lot more. Considering how cheap renters insurance can be, it really just makes sense to have this coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. It only covers my own stuff<\/h2>\n\n\n\n<p>While California renters insurance does cover your personal property, it comes with some attractive additional coverage that goes a long way to giving you peace of mind. What if your guest slips and falls on your stairs? They might sue you.<\/p>\n\n\n\n<p>But you\u2019ll be OK, because your <a href=\"https:\/\/www.costulessdirect.com\/blog\/renters-insurance-what-does-it-cover\/\">renters insurance coverage<\/a> includes a liability component. It will also pay for temporary housing, plus meals, while your own space is being renovated after a catastrophic event, like a fire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get Affordable Renters Insurance in California Today<\/h2>\n\n\n\n<p>Renters insurance is a sure-fire way to protect your belongings and rent investment without draining your bank account. There really is no reason why you should forgo it, it\u2019s not worth it!<\/p>\n\n\n\n<p>Cost-U-Less Insurance is standing by to help you find affordable renters insurance today. Check us out for a quick and free <a href=\"https:\/\/www.costulessdirect.com\/\">online quote<\/a>, stop by one of our <a href=\"https:\/\/locations.costulessdirect.com\/\">offices<\/a> or give us a call at <a href=\"tel:800-390-4071\">800-390-4071<\/a>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-very-light-gray-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/rate.costulessdirect.com\/\">Get a Quote<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-very-light-gray-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"tel:877-821-9904\">Call Us<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-very-light-gray-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/locations.costulessdirect.com\/\">Office Locator<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Renters insurance is widely available, but California renters often feel that they don\u2019t need it. The reasons for this feeling vary, but this belief is often misguided. Let\u2019s take a look at some of the most common renters insurance myths and the reasons they usually aren\u2019t true. 1. My landlord\u2019s insurance will cover me Not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6559,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[701],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/5982"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=5982"}],"version-history":[{"count":3,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/5982\/revisions"}],"predecessor-version":[{"id":7192,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/5982\/revisions\/7192"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media\/6559"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=5982"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=5982"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=5982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}