Bakersfield Renters Insurance And Wildfires & Earthquakes
One of the benefits of renters insurance in Bakersfield is that you won’t be in a bad position after a loss wondering where you can go to sleep that night. Instead of being “three days drive from Bakersfield, and you don’t know why you came,” you can be in a comfortable hotel down the street with loss of use coverage on your Bakersfield, CA Renters Insurance paying for that hotel. It doesn’t make up for the loss, but it makes it much easier to regroup and get your family back on its feet.
With regard to earthquakes and renters insurance in Southern California, you’ll want to consider your risk. Remember that you’re not insuring the building, only your contents and your liability. There are comparatively few liability scenarios that arise out of an earthquake, so most people are worried about their personal property in this case.
You can endorse on earthquake coverage on your renters insurance policy. Generally there’s a separate deductible for this California Renters Insurance coverage, and there’s an additional premium to be paid for it. It’s often quite affordable, but that will depend on your exact location and the predictive models, as well as past earth movement activity. Remember to ask about mudslides, as well – earth movement of any kind is not covered unless specifically endorsed onto your policy.
What about wildfires and renters insurance in Bakersfield? We can all agree that a wildfire is a type of fire, and fire is a covered peril on the standard renters policy form. That means that a wildfire is covered just like any other fire would be, and you’ll have access to loss of use coverage as well as coverage for your personal property.
Whether the fire is manmade or caused by lightning, it’s still a fire. As long as you, the insured, didn’t start the fire intentionally just to file a claim, fire is generally fire. Smoke damage can be covered, as well. There are certain mandatory evacuation situations where you may have access to loss of use coverage when ordered by a civil authority, but there are specific criteria that must be met in order for this coverage to be triggered.
There are certainly many more details than this to be considered, but Bakersfield Renters Insurance includes coverage for fires and wildfires. It does not cover earthquakes, earth movement, or wildfires under the standard policy form, but these types of coverage can often be added on for just a few dollars a month.
Your renters insurance in California is often as affordable as fifteen dollars or so a month, so just about anyone can afford the coverage. That’s why forty-four percent of Americans have renters insurance, and the number is growing every day. Effective Coverage has made it possible to get covered in just three minutes on the phone or one minute online. All you have to do is call (800)892-4308 or click to get covered - whether you need Bakersfield, CA renters insurance quotes online or coverage anywhere else!
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Photo Credit: Kern County Fair – Robert Bejii CC2