Best Renter's Insurance Companies in Long Beach

FAQs

• Is it necessary to present proof of personal items' ownership before you can acquire a Long Beach renters' insurance policy?

  Getting renters' insurance coverage does not require you to present ownership proof of your possessions. While it is not necessary to present an inventory of all of your personal goods, some renters' insurance carriers do request an appraisal report or proof of purchase if you wish to get additional coverage for your expensive items in Long Beach .

• Does Long Beach renters' insurance usually cover the actual value of your personal possessions?

  Yes. Since your personal goods depreciate and physically deteriorate, base renters' insurance policies in Long Beach only cover the actual value of your possessions, limiting the insurer's obligation. Certain insurance companies allow you to increase the coverage to replace your personal belongings at replacement cost—that is, the full cost of replacing or repairing damaged property—without taking depreciation into account.

• If you plan to move, what should you do with your Long Beach renters' insurance policy?

  If you buy renters' insurance in Long Beach and later move to another rental property, you need to find out if your policy is transferable by getting in touch with your insurance company. For certain continuous coverage, notify your insurer of your planned move, along with your new address and effective date. Be advised that your relocation may result in a premium adjustment for your policy.

• Is your diamond ring covered by Long Beach renters' insurance?

  If a covered risk results in theft or damage to your diamond ring, your Long Beach renters' insurance may cover it, up to the limits specified in your policy. Remember that the ring's present owner must obtain insurance for it. For example, the insurance must be in the buyer's name if the buyer purchases an engagement ring and has it before making a proposal. However, the recipient's policy must cover the ring after it is gifted to them.

• Does auto damage resulting from auto theft covered by renters' insurance in Long Beach?

  Long Beach renters' insurance does not cover damage to your car. On the other hand, personal items taken from your vehicle can be covered by renters' insurance. For instance, your car insurance may cover the smashed glass and your renters' insurance may cover the stolen laptop in the event of a car break-in.