If you live in LA, you need renters insurance. There’s no two ways about it. Whether you’re living the high life or you’re a starving actress just scraping by, there’s no reason you should ever have to replace the things you own out of your own pocket – you’ve already bought them once!
The average cost of Los Angeles renters insurance is about $195.00 a year. That’s assuming $15,000 of personal property coverage and otherwise averaging policies with different locations and risk factors. What’s your cost? That will depend on several things. Know what it won’t depend on, though? Your credit. Los Angeles Renters Insurance is not rated based on credit, unlike much of the rest of the country. That could save you a fair bit of money, depending on your situation.
You will be rated on your location. Claims activity of other people in the same general location plays a part, it’s not just your own home. If there have been several years of thefts trending upwards, you might pay a little more in that area. On the other hand, if you have no claims you probably get a discount for that, so it might even out regardless.
You’ll obviously pay more for more coverage, but it doesn’t have to be much more. In many cases you can add significant coverage for personal property and liability for just a few dollars more a year. Since people in CA love to sue each other, the additional liability is worth considering. Renters insurance liability in California does pay to defend you against claims the policy would pay, and lawyers are expensive, so it pays for itself right there.
You can add on earthquake insurance as an endorsement, or water backup coverage, identity theft coverage, and a number of other options. Your best bet is to talk with an insurance expert for California renters to determine what you need and what you don’t. This both helps get you the right coverage and helps you to avoid paying for coverage you don’t need, which saves you money. You can call and speak with an expert, or you can get covered in just sixty seconds by clicking above – it’s really that easy. The average cost of renters insurance in Los Angeles might vary slightly from what you pay, but the policy is always a bargain compared to suffering a loss and not having the coverage.
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