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Do You Need Renters Insurance?

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Get The Protection You Need For Your Residence

With homeowners insurance almost constantly marketed, it can be easy to think that you do not need to secure an insurance policy while you are a renter. If, however, a situation should arise where you need liability insurance, lacking coverage could create a financial situation that could be too much for you to handle. Safeguard your residence and your livelihood by securing renters insurance today.

When choosing a renters insurance policy, make sure you select one that will cover both your liabilities and the contents of your home. If you are unsure about the coverage you need, estimate the amount of personal property you have in your rented space. Include clothing, furniture, electronics, landscaping equipment, appliances, jewelry, tools and any other valuables. Make sure that your policy would cover the cost of replacing all of your belongings. If you are not sure about how to get them covered, contact your insurance agent today so you can avoid a gap in coverage that could cost you down the road.

If you were not expecting the additional expense of renters insurance, do not worry. These policies are generally very affordable, running between ten and twenty dollars a month. In most cases, the policy will also cover other adults living in your residence with you. You can also explore adding extra coverage, such as water and sewer coverage or pet damage coverage, without expecting your premium to increase by a large amount.

To learn more about the options for renters insurance that is available to you, contact Cappuccino Insurance Agency in Westlake Village, California today! We can offer you comprehensive coverage at competitive rates. Call us today for a free assessment of your coverage needs so you can get the right policy for your lifestyle. Whether a renter or a homeowner, you deserve the peace of mind that great insurance coverage will bring.

Prevent a Break-In With These Tips

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The holiday season is fast approaching, which means you may be leaving your house vacant while you are visiting family. Before you pack your bags, it is important to make sure you know how to keep your house safe for the season. Keep these tips in mind to help prevent a break-in at your home.

  • Keep it bright – install a timer on a couple of lights in your home so that they will come on at different times in the evening to keep your home bright.
  • Lock up – before you leave, check to make sure all the doors and windows, even the ones on the second story, throughout your home are locked.
  • Keep your gardener – if you are leaving for an extended period of time, make sure that your gardener keeps up with your landscaping. Nothing says vacant house like overgrown grass and bushes.
  • Stop your mail – ask the post office to hold your mail until you get back, or ask a trusted neighbor to pick it up each day so that it does not pile up.
  • Close the blinds – keep your blinds closed so that burglars cannot see all the valuables in your home. Also, make sure to lock any small valuables, such as jewelry, away in a safe.

Installing a security system in your home is one of the best ways to protect it! Not only will it deter burglars from breaking into your home, but it can also help to lower the cost of your homeowners insurance.

For all of your home insurance needs throughout the Conejo Valley and to ensure that you are protected in case of any unfortunate situation, contact Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure that you have the right amount of coverage for your specific situation.

Tips for Homeowners Insurance and Fire Protection in Conejo Valley, California

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The most recent fires in Southern California is the latest disaster to affect homeowners in California. Yet, the fires do ignite an interest in the need for homeowners to have home coverage. Here at Cappuccino Insurance Agency we encourage clients to examine their homeowners insurance to ensure that it includes fire protection.

Fire insurance policies typically cover a wide range of property damage. For example, damages related to fire including smoke, explosions, and damaged sprinklers are normally covered with this type of policy. Lightning, earthquakes, and heavy wind damage are also typically included in home coverage. Other areas to consider when adding fire coverage to an insurance policy is whether overflowing or bursting water pipes and reservoirs are also covered.

Homeowners should note common mistakes that are made when purchasing fire coverage. The contents of a home may not be included in fire protection. Also, some policies only replace items at their actual cost, not at the replacement value. This is an issue when the replacement costs are greater than the original costs of items. A tip here is to have a recorded video and digital listing of the items of value in a home. Storing these items outside of the home, such as in a safe deposit box, can help homeowners greatly in the recovery process following fire or smoke damage to a property.

For those homes that are destroyed in a fire or due to smoke from neighboring fires, burglary or theft occurring in the damaged home may not be covered in a policy. Finally, homeowners should inquire about discounts related to fire protection. For example, some policies may include discounts for having smoke and carbon monoxide detectors in the home. To learn more about how to protect your home from fire damage and destruction in Conejo Valley, California, please contact Cappuccino Insurance Agency in Westlake Village!