We all know that Sacramento Renters Insurance excludes intentional or criminal acts. That’s just common sense, otherwise there would be a significant moral hazard of the insured causing a loss to collect the claim. But did you know that renters insurance in California, and anywhere else, will protect you from criminal acts committed by others? Read on to learn how!
A man in Sacramento County rented an apartment in Rancho Cordova. He went about his life in his apartment, doing all of the normal things – cooking dinner, sleeping, going to the office, and using butane to extract “honey oil” from marijuana. You know, all the things that you expect your neighbors are doing behind their closed doors.
It’s safe to say, based on statistics, that such operations never end well. For a variety of reasons, the butane explodes more often than not over a sufficiently long period of time, and explosions in apartments are generally very bad things. When highly pressurized canisters of flammable gas explode, it impacts more than just the apartment where the operation was being conducted.
One hundred forty-six people were displaced by the explosion, resulting fire, and ensuing structural damage to the building, all because one bad neighbor figured he could make a fast buck selling drugs. So what are these people to do?
They can lean on their Sacramento Renters Insurance. Even though the explosion, fire, and damage are the result of a criminal and intentional act, it’s not a criminal or intentional act committed by those 146 insureds. As a result, Sacramento renters insurance covers fire damage, explosion damage, smoke damage, water damage from putting out the fire, and even loss of use. Since the structural damage makes the building unusable, all of those people need a place to stay. That’s what loss of use coverage is for, to get you a hotel when a covered loss makes your residence unlivable.
Your losses are covered regardless of the root cause of the fire, so long as you didn’t intentionally start the fire or start it while doing something flagrantly illegal. That’s the beauty of Sacramento renters insurance, it makes sure that you’re protected from the poorly considered negligent and criminal acts of others. You can only control your own behavior, not that of other people around you.
Any time you have a high-density apartment community, it’s not impossible for there to be a bad actor somewhere among the community. Your policy protects you from that bad actor. That person, of course, would have no coverage for losses resulting from their criminal or intentional acts, but your concern is with your own coverage, and you’ll be just fine.
Renters insurance in Sacramento County is not expensive, either, You can get coverage for your property as well as for your liability for about fifteen or twenty dollars a month. Effective Coverage specializes in meeting the insurance needs of renters in California. Just call (800)892-4308 or click to get covered - whether you need California renters insurance quotes online or coverage anywhere else!
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