Best Renter's Insurance Companies in Temecula

FAQs

• Is a landlord in Temecula allowed to require renter's insurance as part of the lease?

  Landlords in California are allowed to require tenants to get renter's insurance, unlike in other states. To do so, a landlord in Temecula must add a clause in the lease contract that clearly states the insurance requirement. Renters must note that an oral agreement, though legally binding, may not be enforceable.

• Can a renter still get insurance after moving to a new place in Temecula?

  Yes, a renter can get renter's insurance at any time in Temecula. However, the insurance does not have a retroactive benefit, meaning its coverage can only be used from the time of purchase forward. For example, when a renter recently suffered a break-in and lost some personal belongings, they cannot buy renter's insurance to cover their losses.

• In Temecula, is there a difference between an all-risk policy and a named-peril policy?

  A named-peril policy covers incidents listed by the insurance, while an all-risk policy covers incidents that are not specified as exclusions by the policy. Another name for an all-risk policy is comprehensive or open-peril policy. Some common perils covered by a renter's insurance in Temecula are fire and lightning, explosions, falling objects, vandalism, and theft.

• How often should a renter in Temecula review their insurance policy?

  Renters in Temecula should take the time to review their insurance coverage each year. This is especially true if they purchase new appliances, furniture, and other valuable items. Reviewing the policy on a year-to-year basis can also help renters save on premium costs when they qualify for additional discounts on various insurance types.

• Are receipts required for proof of loss in an insurance claim in Temecula?

  Submitting receipts can make an insurance claim proceed with less of a hitch. However, most companies will accept other methods of proving losses. A renter in Temecula may have proof of their lost belongings in the form of pictures and video recordings. They can provide their bank and credit card statements In addition, renters who lost valuables and expensive items can use the reports of professional appraisers.