California is a great place to live, and many things about life are easier here – not least the weather! But does easy renters insurance in California exist? Is the process somehow streamlined in the state? How do you buy Anaheim Renters Insurance?
Most importantly, is it easy renters insurance? Is it affordable renters insurance? Everyone who rents needs a policy, so you would think that it would be pretty quick and painless, but some companies haven’t made that possible yet. Fortunately, protecting your family is easy in California!
We’ll tell you why below the Video Guide To California Renters Insurance!
Easy Renters Insurance In California, And Why It’s Important
Renters insurance is one of those things that you know you need to take care of, but you probably assume that it takes time and energy you’re not inclined to expend. Nothing could be further from the truth! Easy renters insurance in California is made possible in a few different ways. When it’s quick and painless, more people get covered. That’s good news for everyone.
Mobile-Friendly Quotes Make Renters Insurance Easy!
If you’re trying to buy renters insurance, chances are good that you’re trying to do it from a phone or other mobile device. You might even be doing that while standing in the leasing office because you forgot you needed to be covered until you tried to move in! Most companies have a quoting process that’s archaic, at best.
Effective Coverage offers easy renters insurance because our entire platform is mobile-friendly. Once you enter your zip code, the forms are short and ask for only minimal information. The whole process takes about sixty seconds, and we’ve worked with underwriters to streamline the whole process so that you have to enter less information!
You can complete the purchase of your policy right from your phone, and get instant proof of coverage to show your landlord. Effective Coverage believes that innovation in the insurance industry is long overdue, and one of the areas that we’ve focused on is in making renters insurance accessible to everyone.
No Credit Check Renters Insurance Is Easy!
California renters insurance doesn’t use credit in rating or underwriting. You live in one of the few states that allows no credit check renters insurance, and in fact mandates that it be that way. While one could argue all day long about the credit data and its predictive value as an indicator of future losses, it’s a moot point here because it’s just not done!
That means that people who are similarly situated and have similar coverage will pay a similar price. If your price is different, it’s because of coverage, previous loss history, or other factors that have nothing to do with how you use credit.
Some have suggested that this creates a sort of experiment between states, because there are very few states like California. On the other hand, the fact that there are very few states like California make it difficult to make statistical adjustments to compare to another state where financial history is relevant to rating and underwriting.
Affordable Policies Mean Easy Renters Insurance Is More Accessible
Effective Coverage has worked with national underwriters to bring affordable policies to California. Because there are fewer underwriting factors, you might think that everyone pays more, but that’s just not the case. Your policy is likely to fall close to the national average. The fact that pricing is stable across people in the same part of the state, and that there are a lot of people in California, has an influence on that national average.
Anaheim Renters Insurance averages to about seventeen or eighteen dollars a month for most people, for a basic policy. That’s in line with the average across the country. More importantly, it’s an amount of money that’s entirely within reach for the vast majority of people.
Easy Renters Insurance Helps More People Get Covered
Effective Coverage found in a study that people who need coverage the most are often the ones who don’t have it – lower income groups are less likely to have renters insurance. Budgets are tighter than ever in many cases. The Federal Reserve is in no hurry to slow down the economy by raising interest rates, but…
The cost of a policy works out to four or five dollars a week. Most people could spare four or five dollars from each paycheck, and the people who can least afford it are the ones who would have the most difficulty recovering from a loss, and so most need the coverage. Effective Coverage has made it possible for just about anyone to afford a policy, and that means easy renters insurance is available to more people.
It’s affordable, quick, and easy to protect your family with renters insurance! Just call (800)892-4308 or click to get covered - whether you need Anaheim renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
What's Your Insurance Language?
- Do You Need Renters Insurance ASAP? Check out the fastest way to buy renters insurance online and get covered in just 60 seconds!
- Do You Feel Like Talking About It? Just call Effective Coverage and a renters insurance expert can help you get great coverage in minutes.
- Do You Need Some Time Alone With Your Thoughts? We understand, which is why we created the California Guide To Renters Insurance.
- Just Want To Watch A Movie Together? See our Video California Renters Insurance Guide!