Although it’s easy to find Long Beach, CA renters insurance because there’s an agent on practically every corner, many people in Long Beach own their homes. Most agents in the area are more concerned with multiple line policies and homeowners policies. Long Beach, CA renters insurance is simply not on their radar. California Renters Insurance is a bit different than in other states, so you need to work with a Long Beach renters insurance expert who can get you the right coverage, and take the time to understand your needs.
Perhaps you’re wondering why you need renters insurance in Long Beach. It’s a safe city, and many people think they don’t need the coverage. However, there’s more to it than that. California renters insurance isn’t just to keep your property safe against crime.
California is a state where the slightest wrong can result in a lawsuit, which makes liability coverage even more important. A Long Beach renters insurance policy should cover you for as much liability as you can reasonably afford. Renters insurance in Long Beach doesn’t just cover the settlement or judgment. It also pays to mount a defense if you’re sued for something that would be covered by the policy.
Read that last sentence again. If you’re sued, your Long Beach renters insurance pays to cover the costs of defending you against the claim. California being what it is, those costs rack up quite quickly. It’s worth having renters insurance in Long Beach simply to make sure that those defense costs are covered.
Also remember that defense costs are generally outside of the policy limits on California renters insurance. That means that those costs don’t eat away at the liability limit of your policy, and as a result you still have the entire policy limit available to pay a settlement or judgment if one arises.
It’s not difficult to get Long Beach renters insurance. Calling Effective Coverage gets you the right policy with the right coverage at the right price, in just a few minutes
Renting In Long Beach, CA
The rental market in Long Beach is quiet competitive. Generally landlords get whatever amount of money they ask for, as well as whatever lease clauses they desire to put in there because of the level of competition. Often, that includes a requirement that tenants maintain renters insurance in Long Beach. Renting in Long Beach is a complicated process, because of the competition. Many people spend months looking for the perfect apartment, but that just comes with renting in California.
Long Beach is a city of about a half million people in Los Angeles County. It’s the 36th largest city in the United States, and the 7th largest in California. The mean housing price for a single family residence is $515,643, which is something of a disincentive for people to buy homes in the area. This also contributes to the tight rental market.
The cost of living in Long Beach is about 30% higher than the national average. Roommates are common in Long Beach, partially as a result of that fact. If you have roommates, you’ll want to make sure they’re covered by your Long Beach renters insurance. Effective Coverage can give you further advice on how to do that, but you can also check out our post on roommates on renters insurance, as well.
Did you know that earthquakes aren’t the only natural risk in Long Beach. Tornadoes are also a possibility. Major tornadoes struck Long Beach in 1966 and 1982. You need to protect against the risks that you don’t expect, as well. Responsibly maintaining Long Beach renters insurance is a part of living here.
Long Beach is one of the most diverse cities in the country. It also produced 1,460 patent applications between 2008 and 2014. This hub of innovation is a great place to go if you want to be part of new developments in industry. All you have to do is take just a moment to call (800)892-4308 or click to get covered - whether you need Long Beach 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 Style?
- Do You Need Coverage 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 guide below.