People have long believed that it’s a challenging and difficult process to get Santa Clarita renters insurance. That’s simply not true. While it can be, if you delve into the subtleties that surround insurance, or if you allow yourself to be dragged into deep analysis of the minutiae. On the other hand, if you take the high level view, it’s easy to compare cost and coverage of policies.
Comparing renters insurance in Santa Clarita doesn’t mean you have to sit down with the fifty page policies side by side and go through them line by line. You certainly could, if you wanted, but most companies use a pretty standard form so there are often few differences. What’s important to compare is how much coverage you get for the amount of money you’re paying, instead of just the total amount.
Once upon a time, not so long ago, very few people had California Renters Insurance because there were many misconceptions about it. Only forty-four percent of Americans had renters insurance, in those dark times. Now, across the country, forty-four percent of American renters are covered! That still leaves fifty-six percent who don’t have coverage, though, and that’s far too many renters who are relying on luck alone.
Part of the reason for the increased coverage is that education is one of our core values here at Effective Coverage. We’re not here just to sell a policy, we’re here to change the world and the way people view California Renters Insurance. Some people believe they don’t need the coverage because nothing bad will ever happen to them, some think they can’t afford it, and some people just don’t realize how important it is to be protected. Effective Coverage is here to dispose of those misconceptions and to bring renters insurance in Santa Clarita and across the country.
That’s why we create these local renters insurance guides for cities nationwide, to get the word out about how easy and affordable it is to be protected. Take a few minutes to review our Santa Clarita, CA Renters Insurance Guide, and if you still have questions, reach out to the friendly renters insurance experts at Effective Coverage. That’s what we’re here for.
Call (800)892-4308 or click to get covered - whether you need California 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.
Santa Clarita, CA Renters Insurance
Does Santa Clarita, CA Renters Insurance Cover Earthquakes?
If the policy is properly written with an earthquake endorsement, yes. Santa Clarita renters insurance does not cover earthquakes by default, but an endorsement to carve back that coverage is available and quite common. It’s important for you to read your declarations and make sure the coverage is present. It’s also important for you to understand whether or not a separate deductible applies to earthquake coverage on renters insurance, and if so, how much.
Often times, the same endorsement that gives you earthquake coverage will carve back coverage for other types of earth movement, as well. That endorsement could allow mudslides to be covered by your renters insurance in Santa Clarita, for example. This is specific to the language of the endorsement, but the good news is those endorsements are usually only a page or less in length – it’s not a great deal of jargon to sort through, which helps make it easier for you to understand the coverage.
Does California Renters Insurance Cover Forest Fires?
For the purposes of renters insurance in Santa Clarita and elsewhere in California, you may generally presume that a fire is a fire is a fire. Whether it’s a forest fire or a cooking fire started by your neighbor, the peril of fire is not narrowly defined with regards to cause, so long as you didn’t intentionally start the fire.
Santa Clarita renters insurance and policies in the surrounding area often have a provision that allows for loss of use coverage to be triggered when a civil authority forces you to evacuate due to a forest fire. The benefit to this is that it can be quite expensive to stay in a hotel during an evacuation, and your policy can cover this. In addition, many renters insurance companies have arrangements with certain hotel chains that allows them access to room inventory that otherwise might be blocked off for anticipated walk-ins. When an evacuation is forced, you’ll have difficulty finding a room as a result, and those arrangements can help you to quickly and efficiently find a place to go.
What Are Some Things That Renters Insurance Protects My Property Against?
The things that your policy protects you against are called perils. The list is fairly standard, but some of the most common losses against which your policy protects you are fire, theft, vandalism, and smoke. Water and smoke damage resulting from a fire are important, because even if your home isn’t the one on fire, water and smoke can make your apartment completely uninhabitable and destroy all of your personal property.
Here, as well, loss of use can kick in even if it’s not your apartment that’s directly impacted by the fire, especially in the event that the building is not usable at all for a period of time. It’s quite common for the investigation of a fire to take days or weeks, and then stabilizing the building and returning it to usable condition can take weeks more. Renters insurance in Santa Clarita prevents a crisis from turning into something overwhelming.
How Can I Get Santa Clarita Renters Insurance?
That might be the easiest part of all! All you have to do is click above or call (800)892-4308 or click to get covered - whether you need Santa Clarita, CA 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. You can quote online, or work with a friendly renters insurance expert who will help you determine coverage needs and other factors that might impact your choices. Remember that our insurance experts are salaried, so you won’t find any high pressure tactics. You also won’t get tons of phone calls, because Effective Coverage is the renters insurance provider, not a lead generation site. Just to test the theory, we submitted our information to one of the big comparison sites. Fifteen agents representing seven companies called us within 24 hours. One of them called us three times in that period. That’s not an experience you’ll have to suffer through with Effective Coverage.
How Much Does Renters Insurance Cost In Santa Clarita, CA
Santa Clarita renters insurance costs about fifteen dollars a month. The cost is very similar for many people, because insurance scores aren’t used in rating or underwriting of California Renters Insurance. That means you can get coverage no matter what your credit looks like – even previous claims aren’t necessarily problematic. To find out just how little it costs, and how easy it is to be covered, reach out to Effective Coverage today!
Call (800)892-4308 or click to get covered - whether you need California 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.
Renting In Santa Clarita, CA
Santa Clarita is a city in Los Angeles County, in Southern California, about thirty-five miles from downtown Los Angles. Most of the Santa Clarita Valley is part of the city. Interestingly enough, median household incomes are higher ($79,000) and median home prices are lower ($361,000) then those in Glendale, CA which also bounds Los Angeles.
The median household income is about 40 percent higher than the statewide median for California, which has a great deal to do with Santa Clarita’s booming economy and excellent positioning for those who choose to commute to LA. Median gross rent is slightly higher than that in neighboring Glendale, at $1,447. That amounts to roughly twenty percent of the median household income, and nationally the suggested number is about thirty percent of income should go to housing. As a result, people in Santa Clarita tend to have a little more disposable income than people in other parts of California, which is good for them and good for the local economy. It’s also a reason that Money Magazine called Santa Clarita one of the top places to live.
Santa Clarita has only officially existed since 1987, when it was created by combining existing cities such as Canyon Country and Valencia. The city is served by I-5, the Golden State Freeway, as well as the Antelope Valley Freeway. Six Flags Magic Mountain is a large tourist draw, important to the local economy, and sits just outside the city. In 1994, many parts of the city were rebuilt as a result of the Northridge earthquake. There hasn’t been much significant earthquake activity of late, but wildfires are certainly a major risk to be aware of. That’s yet another reason that it’s so important to have Santa Clarita renters insurance – it would be bad enough to lose everything in a fire that was your fault, but to suffer that loss as a result of a fire started by lightning would be even more devastating.
While LAX is close by, the Burbank Bob Hope Airport is just minutes away. This makes for easy transportation, but you might not want to ever leave this great city. Most housing in this urban area is in multi-family units, whether rented or owned. In 2012, only 94 permits were issued for new construction single-family residences. Construction, professional, publishing, motion picture, and tourism are the largest industries in the area in terms of employment.
Santa Clarita is a great place to live, but just like anywhere else there are a few risks. Protect your family with California Renters Insurance with a just one quick phone call or click. All you have to do is take just a moment to call (800)892-4308 or click to get covered - whether you need Santa Clarita 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.