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RENTERS INSURANCE INFORMATION

  • Renter's
    MYTHS.....
  • Get a
    Quote
  • Coverages for
    Renters
  • How Much Coverage
    Do I Need
  • How to get your
    Policy started
  • Other GOOD TO
    KNOW things...

Renters Insurance Quotes are available
by phone at
619-670-1000

(or click the Get a Quote tab)

Common myths about Renters Insurance:

"Renters insurance is expensive."
Our renters insurance is remarkably affordable. For just pocket change a day, our policy can provide affordable basic protection of your personal property and can protect you in case of a liability lawsuit. Get a rate quote now

"The landlord's insurance covers me."
Your landlord's insurance generally only covers the building where you live - not your personal belongings and your liability.

"I don't need liability insurance."
Your landlord's policy most likely does not include liability for something that happens in your rented residence. You could be held responsible for injury to another person or damage to another person's property if an incident occurred within your rented residence, or elsewhere. Without liability coverage, your current and future earnings could be at risk. Renters insurance may also provide legal defense costs.

"I don't own very much."
Most people's belongings are often worth more than they think. That's one reason why you need Renters Insurance. Our renters insurance is flexible, allowing you to select the coverages and insurance amounts that suit your needs.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Renters Insurance

  • #1 company in Renter's Insurance
  • You may not own the place where you live, but you still need insurance protection.
  • Renters insurance is for anyone who rents a home, be it a house or an apartment.
  • Renters insurance can protect your personal property against fire, renttheft and vandalism.
  • Renters insurance can help protect you in case of a liability lawsuit against you.
  • This could occur in a situation where you are heldresponsible for:
    • Injury to another person
    • Damage to another person's property
  • Whether the incident occurred within your rented residence, or elsewhere.
  • You may be eligible for premium discounts on both renters and auto insurance when you purchase both policies from our agency.

 

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Other Insurance Resources
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Carlsbad Homeowners Insurance
Descanso Homeowners Insurance
El Cajon Homeowners Insurance
Encinitas Homeowners Insurance
Jamul Homeowners Insurance
La Mesa Homeowners Insurance
Lakeside Homeowners Insurance
Oceanside Homeowners Insurance
Rancho San Diego Homeowners Insurance
San Diego Homeowners Insurance
Santee Homeowners Insurance
Spring Valley Homeowners Insurance
Carlsbad Renters Insurance
Descanso Renters Insurance
El Cajon Renters Insurance
Encinitas Renters Insurance
Jamul Renters Insurance
La Mesa Renters Insurance
Lakeside Renters Insurance
Oceanside Renters Insurance
Rancho San Diego Renters Insurance
San Diego Renters Insurance
Santee Renters Insurance
Spring Valley Renters Insurance

 

Renters Insurance Quotes are also
available by phone at
619-670-1000

Most Renters Insurance policies are under $20/month.

Easiest of all is to just call our office at 619-670-1000. We're available 24 hours a day to assist you.

Stop by our new office at:
10791 Jamacha Bl
Suite 1
Spring Valley, CA

Or drop me an email at:
DennisVolz at Gmail dot com

Of course you can always send us a post card at:
PO BOX 1961
Spring Valley, CA 91979

Renters Insurance Coverages

  • General
    Information
  • Personal
    Property
  • Loss
    of Use
  • Personal
    Liability
  • Medical Payments
    to Others
  • Losses NOT
    Insured
  • Other Optional
    Coverages

General Insurance Information

What is a deductible?

A deductible is the part of a covered loss that you have agreed to pay with your own money.
If you file a claim against your insurance, you will pay only the amount of the deductible. Your insurance company will pay the rest - up to your coverage limit.
When choosing a deductible, you must decide how much you would be willing and able to pay out-of-pocket, if you ever had to file a claim.

Typically, higher deductibles mean lower premiums.

What Is Covered By Renters Insurance?

Here’s a little overview….
(All policies are slightly different. These are examples of what a typical policy might have.)

  • It protects your stuff at home
  • It protects your stuff on vacation
  • It protects your stuff in the USA
  • It protects stuff you may have in a storage facility
  • It protects your stuff all over the world ! Yes, that’s right… you lose your stuff ANYWHERE on the planet…you’re covered just as you are in your own backyard.
  • It protects your CHECKS & CREDIT CARDS if they’re stolen
  • It gives you Liability protection....that’s when you get sued
  • It gives you protection for stuff you’d never imagine. Here’s just a few
  • examples
    • Money, Bank Notes, Coins (including collections) up to $200
    • Property used or intended to be used in business
      • On premises up to $1,000
      • Off premises up to $250
    • Watercraft and equipment - up to $1,000
    • Securities, Checks, Traveler’s Checks - up to $1,000
    • Trailers (not used with watercraft) - up to $1,000
    • Stamps, trading cards, comic books (including collections) up to $2,500
  • Theft loss of:
    • Jewelry and Furs - up to $1,000
    • Firearms - up to $2,500
    • Silverware and Goldware - up to $2,500
    • Rugs, tapestry, wall hangings
    • Per Item - up to $5,000
    • Aggregate - up to $10,000
    • Home Computers - up to $5,00

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Other Considerations:

You may elect to buy specialized renters coverage that provides additional protection for your contents beyond the standard coverage limitations in most renters policies. Ask us about available endorsements to extend coverage. You may also want to consider separate earthquake coverage or flood insurance, as these types of hazards are specifically excluded in most renters insurance policies.

Your policy also covers loss of use, including increases in living expenses due to fire or other insured loss. It is a good idea to be familiar with the coverage provisions for living expenses and include the information in your regular disaster plan in case of emergency.

Liability coverage protects you for injuries or damages to others caused by you, a member of your family, or pet. Medical payments insurance covers medical expenses to non-family members injured at your home.

Important: Read exclusions in your insurance contract. Earthquake, flood, mold, earth movement, and "wear and tear" are some of the perils that are usually excluded. When an insurer writes your renters coverage, the insurer is legally obligated to offer you earthquake coverage for an additional premium. The earthquake coverage may be written directly by the renter’s insurer, by a separate insurer, or through the California Earthquake Authority (CEA).

Renters insurance covers the loss of personal property and loss of use due to the above-mentioned perils, and may include liability and medical payments coverage.

More information regarding California renters insurance can be obtained by contacting the California Department of Insurance in Los Angeles at 800-927-HELP (4357) or by visiting their website, www.insurance.ca.gov.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Property Coverage

Personal Property - Coverage B
This coverage helps protect against losses to:

1. The personal property you have in your home such as your clothes and furniture.
2. The personal property you have with you when you are away from home in many places throughout the world.

Coverage for your personal property may include losses caused by:
1. Fire or lightning
2. Weight of ice, snow or sleet
3. Explosion
4. Aircraft and vehicles
5. Smoke
6. Sudden and accidental tearing or bulging of heating or cooling systems
7. Windstorm or hail
8. Theft
9. Riot or civil commotion
10. Falling objects
11. Vandalism or malicious mischief
12. Sudden and accidental water discharge from plumbing or appliances
13. Freezing of plumbing systems

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Loss of Use and Additional Living Expenses Coverage

Loss of Use -- Coverage C
This coverage provides payment for certain losses when your home is damaged and rendered uninhabitable because of an insured loss. This coverage is also usually available when you are subject to a mandatory evacuation by local authorities during disasters such as fire storms. Coverage can apply in some cases even if there was no damage to your residence.

Additional Living Expense
This covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter and related items for the shortest time required to repair or replace the premises, or for your household to settle elsewhere up to 24 months.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Liability Coverage

Personal Liability -- Coverage L
This coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies.

In addition, it may provide for the payment of your defense against these claims or suits.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Medical Payments Coverage

Medical Payments to Others -- Coverage M
This coverage pays medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured.
The coverage also extends to people accidentally injured by your activities.
However, the coverage does not pay for medical expenses for you or members of your family who live with you.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Losses Not Insured

While our renters policy provides comprehensive coverage, it does not provide coverage for every loss.
All property coverages are subject to the Losses Not Insured provisions of the policy.
Examples of losses not insured include but are not limited to:

  1. Water damage caused by flood or underground water.
  2. Earth movement including earthquake or landslide.
  3. Damage caused by nuclear hazard.

Please refer to the policy for a complete list of losses not insured.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Summary of Some Other Coverages Available

  • Personal
    Articles Policy
  • Personal Liability
    Umbrella
  • Loss Settlement
    Provisions
  • Special
    Limits

Personal Articles Policy

This is special worldwide coverage in the amount needed for your valuable possessions. It can provide coverage for things such as (but not limited to) jewelry, art, cameras, antiques, collectables (dolls, plates, baseball cards, etc), hearing aids, pets, computers, sound equipment, just to name a few.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Liability Umbrella Policy

This is for a million dollars or more of personal liability protection for many situations which may not be covered by your basic insurance.

  1. Earthquake damage.
  2. Waterbed liability.
  3. Increased business property.
  4. Incidental business liability.
  5. Increased liability limits.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Loss Settlement Provisions--Personal Property

Limited Replacement Cost Loss Settlement
Provides payment based on the cost to repair or replace the damaged property at the time of loss, if actually replaced.

Depreciated Loss Settlement
Provides payment based on the cost to repair or replace damaged property less depreciation at the time of loss.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Personal Property Special Limits

While the Personal Property Loss Settlement provisions determine the loss payment on your personal property, it's important that you know that special limits apply to certain types of property.
For example:

  • Money, bank notes, coins (including collections) $200
  • Property used or intended to be used in business
    • On premises $1,000
    • Off premises $250
  • Watercraft and equipment $1,000
  • Securities, checks, traveler's checks $1,000
  • Trailers (not used with watercraft) $1,000
  • Stamps, trading cards, comic books (including collections) $2,500
  • Theft loss of:
    • Jewelry and Furs $1,000
    • Firearms $2,500
    • Silverware and Goldware $2,500
    • Rugs, tapestry, wall hangings
    • Per Item $5,000
    • Aggregate $10,000
    • Home Computers $5,000

Antiques, fine arts, painting, statuary, and similar articles that cannot be replaced by new articles, and property not useful for its intended purpose, is limited in coverage to its market value. Higher limits on some of these items are available through optional coverages.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

 


 

 

 

How much Renters Insurance do I need?

The amount of personal property coverage you need depends on how much your property is worth.
To better understand your needs, ask yourself:
How much are my belongings worth?
Could I afford to buy it all back again if it were destroyed in a fire or stolen?
What would I do in the event of a liability lawsuit against me?

Did you know?
Most people's belongings are worth more than they realize.
The average person has over $20,000 worth of belongings that are probably not covered by a landlord's policy.

Find out how much coverage you need.
Take an inventory of your possessions:
List each item, when you acquired it and the purchase price or current value.
Total the amounts of these items for a rough idea of what your property is worth.
Once this is done, put your inventory in a safe place away from home -- for example, in a bank safe deposit box.
Consider adding photos to your inventory -- they can help if you have a claim.

Coverage for certain types of property, such as those listed below, may have a dollar limit in a Renter's policy:

  • Money, bank notes, coins
  • Business property (on and off premises)
  • Securities, negotiable instruments
  • Watercraft, including trailers, furnishings and equipment
  • Trailers (other than boat trailers)
  • Jewelry and furs
  • Firearms (limitation applies to theft only)
  • Silverware and goldware (limitation applies to theft only)

If you have this type of property, you may need special coverage -- either an endorsement or a personal articles policy. Ask us about these items.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

How to get your policy started

  • Information We'll
    Need to get you Started
  • Payment
    Options
  • How much
    Money to Start?

Information We'll Need to Get You Started

Here's a little insight into some of the information you'll need to have ready to get your insurance policy started.

You:

  • Your name, residence address and best contact information such as cell phone, email, etc...
  • Date of Birth

Your Stuff:

  • We'll need a reasonable idea of the value of some of your specific stuff. We'll want to talk about several areas with you to be sure you're adequately covered. Most of this you'll just know and won't have to do any "research". Here's a few examples:
    • Jewelry
    • Stereos
    • Cameras
    • Guns
    • Musical instruments
  • The rest of your stuff -- We'll help you estimate with some Personal Property Calculators we have in the office. We can help you with this over the phone and email as well.

Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Payment Options

We have several convenient payment options to meet your budget and personal preferences.

Annual Payment

Simply pay your annual payment in one payment.

Semi-Annual or Quarterly Payments

Split your annual payment into either 2 or 4 payments per year.

Monthly

Split your annual billing in to twelve convenient monthly payments. (a $3 monthly service charge applies)

Automatic Monthly Payment

Same as the monthly but we'll conveneintly draft the monthly amount from your checking account: Same day, Every month. (a reduced $1 service charge applies)


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

How much money do I need to get started?

For all payment options except the Automatic Monthly Payment Option, you'll need a minimum of 1/4 of your annual premium to get your policy started.

If you choose the Automatic Monthly Payment Option, you'll only need one month (or 1/12 of your 12 month premium) to get started. There's a $2 set up fee added to the monthly plans

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

What affects the price of Renters Insurance?

The price of Renters insurance varies by company and by:
  • What limits you buy.
  • How many coverages you buy
  • The deductible

Renters Insurance is designed to help protect you from losses.
Losses are occurrences that caused direct physical damage to property or injury to persons, whether covered by insurance or not.

Check out the brief descriptions of our Renters Insurance coverages on the COVERAGES FOR RENTERS tab.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979