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4 things you didn’t know your renter’s insurance covers in Redwood City, CA
June 22, 2021 at 7:00 AM
4 things you didn’t know your renter’s insurance covers in Redwood City, CA

At Gleetopia Insurance, we want our customers to understand the importance of getting a proper insurance policy. From protecting your car to your home (whether you rent or own) to life insurance, it’s important to ensure that you and your family are protected. While it’s important to make sure that your belongings are protected, did you know that your renter’s insurance in Redwood City, CA covers much more beyond what you keep in your home? Keep reading for four things you probably didn’t know were covered under your policy.

Stolen belongings when away from home

Your renter’s insurance policy isn’t exclusive to your home and what’s in it. You’re still covered if you’re down the street at the library, spending the day at a sporting event, or even on vacation in Italy. Should your laptop get stolen while you’re away from home, your policy would cover it.

However, it’s important to understand that there are limitations to coverage when this happens. Let’s consider the scenario at a sporting event. Say that you left your laptop in the backseat of your car and someone walking through the parking lot notices. They break your window then reach in and take your laptop. In this situation, your laptop will still be covered by your renter’s insurance, but the broken window is not. Instead, you would have to submit a claim with your auto insurance policy.

Dog bites

It’s unfortunate when it happens, but even the best boys can be provoked into biting sometimes. Should your dog bite somebody, you’re going to be on the hook for medical expenses for whoever gets bit. This is where your renter’s insurance policy kicks in. While you and your dog are accountable for the bite, your insurance policy will cover the necessary medical bills amassed by the bite victim. This protects you financially in the present and the future from having to pay out-of-pocket for those expenses.

Items in storage

Sometimes renting comes with a limited amount of storage space in your house or apartment. This often means that you have to get an off-site storage unit to house some of your other belongings. It’s reasonable to be apprehensive about putting items in storage because you don’t have them with you. Even if you have a storage unit across town, everything you own in it will be covered by your insurance policy. This means that you don’t have to worry about theft or a fire destroying your possessions.

Displacement costs

One of the hard things about living in an apartment, townhouse, or duplex is that your safety is directly in the hands of your neighbors. You could be minding your own business when a fire breaks out because your neighbor’s dog knocks over a candle. Because your home is directly connected to theirs, it’s likely that your unit will go up in flames as well. You don’t have to worry about being without somewhere to stay until you find somewhere to live. Your renter’s insurance policy will help by covering the costs of staying in a hotel while you find a new home.

Contact us for more

To learn more about what your renter’s insurance in Redwood City, CA can cover, contact us at Gleetopia Insurance. Our team is ready to provide you with more information about insurance policies while finding the right one for you and your family. You can reach us by calling 888-707-7578 or send a message using our online contact form. You can’t afford to go without insurance so we’re here to help.