Tag Archives: renters insurance

Holiday Tips and Precautions for a Happy New Year

Holiday Tips and Precautions for a Happy New Year!

The holidays and New Year’s celebrations are a time of travel and festivities. And while we hope that the holidays are a time of celebration, nothing could be more devastating during this time than a home break-in or an unexpected accident.

Following proactive procedures can help give you peace of mind.

Travel and Home Safety Tips

When traveling CNET recommends the following:

  • Make sure your home doesn’t look “empty.”
  • Forward your mail and ask a neighbor to collect mailers and newspapers that may otherwise accumulate at your front door.
  • Install motion censored lights on the exterior of the house.
  • Put interior lights on timers that light at varied times.
  • Consider installing security cameras near the doors and in various parts of the home to monitor activity.

Holiday Party Tips and Precautions

Entertaining guests at your home for the holidays? As alcohol is typically served at holiday gatherings, Indiana.edu offers a number of helpful suggestions for pacing the drinking at your home soiree.

Most notably, don’t allow intoxicated guests to drive home. In recent years apps like Lyft and Uber have grown in popularity so that they are readily available in major cities (and many suburbs) and are ready for pickup in minutes. On your party invitations and correspondences, suggest that your guests download the app on their smart phones pre-party. Also have the number for the local taxi service on-hand.

A Homeowners Policy and Rental Insurance Offer Peace of Mind

Both a homeowners policy and renters insurance can help you cover your property and possessions if they are damaged or destroyed – or if your valuables are stolen.

Additionally these policies can cover your assets if you are sued for negligence that caused an accident.

At Cappuccino Insurance wish you happy holidays and a happy new year. If you have questions about your coverage, please contact us!

Renter's Insurance

Why Every Renter Benefits from Renter’s Insurance

Although some landlords require renters to purchase renter’s insurance, in many rental situations it is still a voluntary coverage.

Renter’s insurance is low cost coverage and provides security in areas beyond the home. Renters insurance not only covers the loss of valuable possessions but it offers liability.

Most renters insurance policies give you about $100,000 in liability and upgrading to $300,000 in coverage can cost as little as $9 a year. You can even extend your coverage up to half a million dollars for a moderate amount.

Liability from guests…

If you have a party and one of your guests has been drinking in your home and later becomes injured or injures another party, you could be sued. Your renter’s insurance can cover your liability.

Liability for accidents outside the home…

If your child is at the park, for example, and hits another child with a baseball – even if the accident occurs off the property, you could still be sued. Your renter’s insurance would cover this occurrence.

Liability from negligence…

You could be sued for negligent acts. As a personal example, a client of ours was boating and as he was climbing up the latter on the back of the boat, the driver turned the engine on and he was badly injured by the propeller blade. Because he had expensive hospital bills, he sued the driver and the home insurance paid for it because of negligence.

Liability for dog bites…

Dog bite claims are common. An average of $32,000 was paid out for dog bite claims in the U.S. in 2015. If your dog bites someone – inside or outside of your home – your renter’s insurance will pay out the claim. Be mindful, however, that certain breeds aren’t covered.

Your legal costs are covered…

Renter’s insurance covers the legal costs of someone suing you. If you are sued then the insurance company handles the claim. The insurance company has a legal team representing your case, and if you loose the insurance company pays out.

Break-ins and losses…

If your items get stolen anywhere – even outside the home – they’re covered. When prescription meds are stolen from a car or a laptop computer is stolen from a coffee shop, those incidences are covered by renter’s insurance. There is a $500 deductible, but as the items mentioned above are costly, and even smaller items can add up, it may be worth it to put in a claim.

Contact Cappuccino Insurance Agency to schedule a consultation to discuss your insurance options and coverage needs.



Moving This Spring? Make Sure To Invest In The Right Insurance

Renter’s Insurance Coverage

Spring is the perfect time to find a new place to rent. No matter if you are searching for an apartment or a house to rent, you should also start looking for the right renter’s insurance policy to ensure that your new home is properly protected in case of any disaster.

Typical renter’s insurance policies have three main coverage options, including:

  • Personal property coverage – the insurance policy that your landlord has for your home will only provide coverage for the structure, not for any of your personal belongings that you keep inside. The personal property coverage that is provided by a renter’s insurance policy will provide protection in case your assets are stolen, damaged, or destroyed by a covered peril, such as a fire. If you have any valuable belongings, you may want to consider scheduling the items within your policy, which will provide additional coverage.
  • Liability coverage – the liability portion of your renter’s insurance will provide protection in case someone is injured while visiting your home. It will cover any legal expenses if they decide to sue you after the accident, as well as any medical bills that are associated with the accident. If you do not have liability coverage, your assets and savings may be put at risk after someone is injured at your home.
  • Coverage for additional living expenses – if your rental home is uninhabitable after a disaster, additional living expensive coverage will pay for a temporary living situation, such as if you have to move into a hotel. The coverage will also pay for any additional costs that are associated with having to move out, such as restaurant bills if you do not have a kitchen to cook in.

For all of your renter’s insurance needs when finding the perfect Conejo Valley home this spring, contact Cappuccino Insurance Agency in Westlake Village, California.


Do You Need Renters Insurance?

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.