{"id":4995,"date":"2023-03-23T22:01:57","date_gmt":"2023-03-23T22:01:57","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?page_id=4995"},"modified":"2023-03-23T22:02:00","modified_gmt":"2023-03-23T22:02:00","slug":"renters-insurance-faq","status":"publish","type":"page","link":"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/renters-insurance\/renters-insurance-faq\/","title":{"rendered":"Renters Insurance FAQ"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-section__content\">\n            <div class=\"c-faqs-wrapper\">\n                <div class=\"c-faqs-categories\">\n                    <div class=\"c-faqs-categories__wrapper\"  role=\"navigation\">\n                        <h2 class=\"c-faqs-categories__title\" id=\"faqsCategoriesTitle\">Topic Categories<\/h2>\n                        <ul class=\"o-list-bare c-faqs-categories__list\">\n                                                            <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/atv-insurance\/atv-insurance-faq\/\" aria-current=\"page\">ATV Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/boat-insurance\/boat-insurance-faq\/\" aria-current=\"page\">Boat Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/car-insurance-faq\/\" aria-current=\"page\">Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/classic-car-insurance\/classic-car-insurance-faq\/\" aria-current=\"page\">Classic Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/commercial-auto-insurance\/commercial-auto-insurance-faq\/\" aria-current=\"page\">Commercial Auto Insurance<\/a>\n      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                     <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/homeowners-insurance\/homeowners-insurance-faq\/\" aria-current=\"page\">Homeowners Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/landlord-insurance\/landlord-insurance-faq\/\" aria-current=\"page\">Landlord Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/mexican-car-insurance\/mexican-car-insurance-faq\/\" aria-current=\"page\">Mexican Car Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/mobile-home-insurance\/mobile-home-insurance-faq\/\" aria-current=\"page\">Mobile Home Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/motorcycle-insurance\/motorcycle-insurance-faq\/\" aria-current=\"page\">Motorcycle Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/pet-health-and-discount-services\/pet-health-and-discount-services-faq\/\" aria-current=\"page\">Pet Discount and Health Services<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/renters-insurance\/renters-insurance-faq\/\" aria-current=\"page\">Renters Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/rideshare-insurance\/rideshare-insurance-faq\/\" aria-current=\"page\">Rideshare Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/roadside-assistance\/roadside-assistance-faq\/\" aria-current=\"page\">Roadside Assistance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/snowmobile-insurance\/snowmobile-insurance-faq\/\" aria-current=\"page\">Snowmobile Insurance<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/sr-22-insurance\/sr22-answers\/\" aria-current=\"page\">SR-22<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/telemedicine\/telemedicine-faq\/\" aria-current=\"page\">Telemedicine<\/a>\n                                    <\/li>\n                                                                    <li class=\"o-list-bare__item c-faqs-categories__item\">\n                                        <a class=\"c-faqs-categories__link\" href=\"https:\/\/www.costulessdirect.com\/insurance-solutions-california\/travel-club-hospital-indemnity\/travel-club-hospital-indemnity-faq\/\" aria-current=\"page\">Travel Club Hospital Indemnity<\/a>\n                                    <\/li>\n                                                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"c-faqs\" id=\"faq-list-block_16a0e2f8398c6742338268cf97f7eda3\">\n                    <h1 class=\"c-faqs__title c-section__title c-section__title--left c-section__title--blue c-section__title--with-img\">\n                                                    <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"Building icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/color-renters-icon.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                Renters Insurance \n                    <\/h1>\n                    <div class=\"c-faqs__questions\">\n                                                                                                                <div class=\"c-faqs-index\">\n                                    <h3 class=\"c-faqs-index__title\"><\/h3>\n                                                                            <ul class=\"o-list-bare c-faqs-index__list\">\n                                            \n                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question1\">Is Renters Insurance Affordable for Californians?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question2\">Does My Landlord\u2019s Insurance Cover My Stuff?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question3\">My Landlord is Requiring Me to Get Renters. Is That Legal in California?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question4\">How Much Renters Insurance Do I Need?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question5\">My TV Broke. Is It Covered in My Renters Policy?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question6\">Someone Broke Into My Hotel Room and Stole My Laptop. Is It Covered with My Insurance?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question7\">My Dog Bit Someone at the Dog Park and Now They are Suing Me. Am I Protected?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question8\">I Have a Roommate. Can I Cover Their Things on My Policy?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question9\">What is the Difference Between Actual Cash Value and Replacement Cost for My Renters Policy?<\/a>\n                                                <\/li>\n                                                                                                                                    <\/ul>\n                                                                    <\/div>\n                                                        <div class=\"c-faqs-answers\">\n                                                                                                    <div class=\"c-faqs-answers__sub-category\">\n                                        <h4 class=\"c-faqs-answers__title\"><\/h4>\n                                        \n                                            \n                                                                                    <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question1\">Is Renters Insurance Affordable for Californians?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes. Coming in at an average of less than 50 cents per day, renters insurance in California will be there for you when you need it most at a price you can afford.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question2\">Does My Landlord\u2019s Insurance Cover My Stuff?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>No. Your landlord\u2019s insurance covers the building and some of its systems, but it will not cover your personal belongings.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question3\">My Landlord is Requiring Me to Get Renters. Is That Legal in California?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes, it is the right of the landlord to require their tenants to carry renters insurance.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question4\">How Much Renters Insurance Do I Need?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>The best way to determine that is to take an inventory of what you would need to replace if it was gone tomorrow. Most people underestimate how much their belongings are worth. If you had to go out and buy new clothes, cookware, spices, electronics, sports equipment, music or other collections, how much would it cost? That\u2019s how much you should get.<\/p>\n<p>Remember, the standard policy will not cover expensive items over a certain amount so make sure you have a rider or an <span style=\"white-space:nowrap;\">add-on<\/span> if you need to ensure something for more.<\/p>\n<p>Don\u2019t forget to factor in your liability if someone gets hurt at your home or your dog bites someone.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question5\">My TV Broke. Is It Covered in My Renters Policy?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>It depends on how it got broken. If it\u2019s due to misuse, normal wear and tear or age, then no. However, if your ceiling fell in because of a busted water pipe in the wall and your TV was ruined, then yes.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question6\">Someone Broke Into My Hotel Room and Stole My Laptop. Is It Covered with My Insurance?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes, your laptop should be covered if you lost it due to <span style=\"white-space:nowrap;\">theft \u2013 even<\/span> when off premises. However, coverage for electronics only foes up to a certain amount in a standard policy, so make sure you have enough coverage to replace it.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question7\">My Dog Bit Someone at the Dog Park and Now They are Suing Me. Am I Protected?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Your renters insurance liability coverage should help you pay for their medical expenses, as well as costs associated with a legal suit.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question8\">I Have a Roommate. Can I Cover Their Things on My Policy?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>You can but it\u2019s generally discouraged and here is why: Your roommate should have their own policy for their belongings. What if they move out and you are left with a premium that includes their stuff that\u2019s no longer there? It can be hard to determine who owes what based on items in the unit. For example, you own the furniture but they own the <span style=\"white-space:nowrap;\">TV \u2013 how<\/span> much should you pay and what\u2019s their portion?<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question9\">What is the Difference Between Actual Cash Value and Replacement Cost for My Renters Policy?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>When you get your renters policy, you\u2019ll be asked to decide if you want to insure your belongings for actual cash value (ACV) or replacement cost.<\/p>\n<ul>\n<li>ACV: Your belongings will be valued at their depreciated value. For example, your laptop is two years old. You\u2019ll receive an amount equal to the current value of the laptop.<\/li>\n<li>Replacement cost: Your belongings will be valued at the cost to replace them. You will receive enough money to buy a new laptop of similar make and model.<\/li>\n<\/ul>\n<p>The premium on an ACV policy is lower than on a replacement cost policy.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                            \n                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":241,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/template-faq.php","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4995"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/comments?post=4995"}],"version-history":[{"count":2,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4995\/revisions"}],"predecessor-version":[{"id":4997,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/4995\/revisions\/4997"}],"up":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/241"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/media?parent=4995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}