88% Think Renters Insurance Is Too Expensive

Excuses For Not Having Renters Insurance - 88% Think Renters Insurance Is Too Expensive

Excuses For Not Having Renters Insurance – 88% Think Renters Insurance Is Too Expensive

As part of our core values, Effective Coverage works to educate renters on their needs as well as help them find products to fill those needs.

Many people at least know of the existence of renters insurance, but surprisingly many people don’t.

In a survey, fully eighty-eight percent of adults surveyed vastly overestimated the cost of renters insurance, with over half of that number believing it cost over fifty dollars a month! [Read more...]

I Don’t Need Renters Insurance Because I Live Responsibly!

I Don't Need Renters Insurance Because I Live Responsibly!

I Don’t Need Renters Insurance Because I Live Responsibly!

From time to time, we hear the argument that someone doesn’t need renters insurance because they live responsibly, and so they have very limited odds of incurring liability?

Do you have kids?  Do they have friends?  Then you need renters insurance!  Walk with us down a dark and twisted path to see how a simple childrens’ sleepover could result in injury, death, liability, and a significant lawsuit.  In August of 2013, San Diego renters insurance could have come in handy for one family.

[Read more...]

210 Christmas Tree Fires Annually

210 Christmas Tree Fires Annually - Are You Protected By Renters Insurance?

210 Christmas Tree Fires Annually – Are You Protected By Renters Insurance?

Did you know that Christmas tree fires are surprisingly common?  We noticed one recently that was covered by San Francisco renters insurance, but many of them have no coverage at all.

This is the worst time of year for an apartment fire, and a Christmas tree fire is especially bad because the first thing that it takes from you is the gifts you left under the tree. [Read more...]