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•Coverage Options •Protect Your Personal Property •Protect Yourself and Others
•Optional Coverage •Discounts and Savings |
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Your property isn't any less valuable when you rent. That's our stand. And if you've got as much stuff as the average renter, then it's worth over $30,000. Take into account your clothes, books, CDs, stereo system, TV, jewelry and other valuables you might have.
If Anything Happens, Will Your Landlord Take Care of You?
You may also be surprised to learn that your landlord is not necessarily responsible for any damages to your personal property if there's a fire, flood, vandalism or burglary. And, even if someone's injured in your apartment, you may be liable for their damages, not your landlord.
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It Only Costs a Little to Protect a Lot
The good news is that renters insurance costs less than you think—and it covers a lot. In fact, about 50¢ a day can help buy renters insurance protection for tomorrow. |
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| Coverage Options |
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Protect Your Stuff
When considering renters insurance, it's important to know what's in your place and what you need to protect. Once you make a list of the important things you own and determine their value, you're ready to select the coverage you need.
When selecting coverage, it's also important to choose a proper deductible amount. Your deductible is the dollar amount you'll be required to pay in case of a loss. The higher your deductible, the lower your premium. Ask me about the deductible levels that make sense for you.
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| Read below for more information on some of the basic coverage options that make up a renters policy. You can also read about enhancing your policy with optional coverages and scheduled personal property. For example, do you own specific high-value items like expensive computer or stereo equipment? If so, you may want to insure them with an Optional Coverage. Contact me to discuss which coverages, limits and deductibles may be right for you. |
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| Protect Your Personal Property |
| Coverage |
Description |
| Personal Property Protection |
Your home is more than just the walls of your house; it includes all of your personal things, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing. |
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| Protect Yourself and Others |
| Coverage |
Description |
| Family Liability Protection |
If a friend, family member, or neighbor was accidentally injured on your property, did you know you could be legally obligated to pay? Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims. |
| Guest Medical Protection |
Unfortunately, sometimes accidents happen. Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault. |
| Additional Living Expenses |
If something happens to your rental unit and you're forced to quickly find alternative housing that's more expensive, Additional Living Expenses can help. If a direct physical loss makes your home uninhabitable, Additional Living Expenses reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food or other increased living expenses. |
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| Optional Coverage |
| Coverage |
Description |
| Scheduled Personal Property |
If you'd like to protect certain categories of items in your home beyond the limits provided by what's included in your renters policy or an Optional Coverage, Scheduled Personal Property Coverage can provide increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine art, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you or read more about Scheduled Personal Property Coverage options. |
| Additional Optional Coverages |
If you'd like to purchase additional coverage for specific items of value in your home—like jewelry, sports equipment, computer equipment, engagement presents—you may want to consider personalizing your policy with an Optional Coverage. Ask me for more information on the available Optional Coverages or read more about Optional Coverages. |
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| Discounts and Savings |
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A Great Deal Gets Even Better
With an Tony Baquiran discount on your Renters Insurance Policy, a great deal truly does get even better. I can help you sort through the discounts that apply to you and your situation. Do you have smoke alarms, dead bolt locks or a burglary alarm system in your rental unit? Are you insured with any other Tony Baquiran policies? Are you retired and at least 55 years of age? The answers to these questions could make a difference in your premium.
Discounts are subject to availability and qualifications. Please contact me to see which of these discounts apply and how much you could save.
Get Discounts That Count |
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| You may qualify for... |
You may be eligible if... |
You could save... |
| Home and Auto Discount |
...you're insured with an Tony Baquiran Auto Insurance policy for your vehicle and an Tony Baquiran Renters Insurance Policy for your rental unit. |
Up to 30% |
| Protective Device Discount |
...your rental unit has smoke alarms, fire extinguishers and deadbolt locks on all exterior doors, or central burglar and fire alarms. |
Up to 15% |
| 55 and Retired Discount |
...you're 55 years of age or older, retired, and the rental unit is your principal residence. |
Up to 10% |
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Copyright ©2008 www.tonybaquiran.net
650.696.1990
All right reserved
CA Insurance License #0559252 |
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