Woodcrest Insurance - Health Insurance

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You may not own the home you’re in but you own everything in it. Your household items may be family heirlooms or expensive collections, jewelry or electronics. If there is a fire, chances are the house is covered by your landlord, but not your things. It pays to understand and purchase the correct coverage for your most valuable possessions.

At Woodcrest insurance we will help you understand how to value your possessions and protect them from fire, theft, storms and even earthquake and flood with a policy to fit your lifestyle as well as your pocketbook. We represent several well-rated companies that offer great protection at affordable rates

The following are some common coverage definitions for renters

Contents A great majority of losses are from burglaries. Your personal contents are everything from your furniture to your kids’ football. A complete home inventory is a great tool in deciding how much you have and then how much to protect.

Liability Worried about that swimming pool or swing set, or perhaps that golf slice, either way when someone is hurt through your actions or on your premises, chances are the liability coverage will pay other’s medical bills, pain, suffering or even death. Your landlord most likely has coverage for his negligence but not yours.

Medical If someone is hurt on your premises even if you’re not negligent, your policy will generally pay their medical bills.

Earthquake Here in California earthquakes are a real threat, the valuables in your home can be threatened by the damage caused from an earthquake. This coverage usually is purchased in addition to your renters insurance.

Flood   Generally flood coverage can be purchased through the National Flood Insurance Program from providers set up to administer policies that includes contents coverage. Rates are determined by the type of flood rating your home is given by the government.

Scheduled Personal Property   Or floater can pay for high valued items from perils that your policy restricts, a wedding ring, stamp or coin collections, furs, computers or other valuable can be insured for their full value and even if they are lost or stolen.

Depending on your policy other coverage can be purchase.   Home Business, golf carts, home day care, are just some of the extra protection you can add for your renters policy.

Give s a call today and sit down with our experienced insurance professional to review your renters insurance needs today!