Best Renters Insurance Companies in Roseville, CA

Roseville, CA Renters Insurance FAQs

• How can renter's insurance be beneficial for someone in Roseville?

  Renter's insurance in Roseville can provide financial benefits for unexpected events. For example, if a water leak short-circuits appliances or a pot in the stove goes up in flames, the insurance can pay for the damage. Another benefit is liability coverage, which pays for the medical expenses and the cost of being sued by someone who has had an accident in the insured's rental home.

• If you get mugged in Roseville, can renter's insurance pay for the stolen cash?

  Yes. If you get mugged in Roseville, your renter's insurance can pay for stolen cash up to a certain limit, usually within just a few hundred dollars. You can check your policy and look for sub-limits. Valuable items such as firearms, jewelry, and cash usually have sub-limits. For example, a policy with a coverage limit of $35,000 for personal property will have a limit of $250 for cash.

• Does renter's insurance in Roseville cover earthquakes?

  Not really. Renter's insurance does not generally cover earthquakes. The landlord's property does not also cover the renter's personal belongings. Because of this, renters in Roseville can try getting a standalone earthquake insurance policy from the California Earthquake Authority. They can buy the standalone insurance anytime and do not need to wait for the renewal of their renter's insurance policy.

• What are not covered by renter's insurance in Roseville?

  Renter's insurance in Roseville does not provide coverage for mudslides, earthquakes, and floods. It does not consider the renter's car a type of personal belongings. Therefore, a car is not included in the coverage. The insurance does not also cover a roommate's property. Damage from pests such as rodents, bed bugs, and termites will not be covered by the renter's insurance.

• Before you can obtain renter's insurance in Roseville, are you required to show proof of the cost of your personal belongings?

  Most insurance companies in Roseville will not require you to show proof of the cost of your personal belongings as a requirement to get renter's insurance. However, it may be required when adding extra coverage to the policy for your valuable belongings. In this case, you will be required to submit a purchase receipt or an appraisal report.