Best Renter's Insurance Companies in Murrieta

Frequently Asked Questions

• If your rental unit in Murrieta has recently been vandalized, how soon must you file a claim?

  It depends. In most cases, you have to file a claim within 24 to 72 hours after the vandalism incident. To speed up the processing of your claim, you can call your insurance company or file a claim through their app. You should back your claim with a police report. You can get it from the Murrieta Police Department Records Bureau at 2 Town Square Murrieta, CA 92562. The records bureau usually allows around 10 days to process requests. For more information, call the bureau at (951) 304-2677.

• Is there a way to lower renters' insurance premiums in Murrieta?

  Yes. You can buy several insurance policies from the same carrier to obtain discounts. Another way to lower renters' insurance premiums would be to opt for a higher deductible or lower your coverage limit. Just be careful that you are not underinsured. Also, you can have a standard fire alarm or burglar alarm system installed in your rented apartment in Murrieta. You are less likely to file a claim for burglary and theft, lowering your monthly premiums as a result.

• Can roommates share renters' insurance in Murrieta?

  Yes, but it is not recommended. Some insurance companies in Murrieta allow you to share renters' insurance, but you may end up getting short on coverage. This is so that the individuals named in the policy will split the allotted limit. For example, if there is a fire in your rented unit, you and your roommate will split the insurance payout.

• If your pet bites someone in Murrieta, can renters' insurance pay for the medical costs?

  Yes, renters' insurance covers the expenses incurred when your pet bites someone other than you or the people in your household in Murrieta. The coverage is under bodily injury liability and is subject to certain limits. Depending on the insurance company, certain dog breeds may also not be covered. Check your insurance policy for any limitations.

• In Murrieta, what is the usual policy period for renters' insurance?

  For renters' insurance, the policy period is usually one year, starting from the day the policy takes effect until it ends. You can cancel your insurance policy in Murrieta at any time. If you have already paid all your premiums for a year, you are entitled to a refund. However, some companies may charge a small cancellation fee.