What is the best type of renters insurance available in California?

I want to get renters insurance in California, any good affordable ones available? I noticed nationwide and statefarm are not available here. I am using Geico for car insurance. TIA!

Does Geico do renters insurance in CA? That's the first place I'd check.

Otherwise, policies are pretty similar, and cost about the same amount - $150 for $20,000 of contents coverage.

Any local, independent agent (which isn't Nationwide or State Farm) should be able to help you with this. Unless you want to go it alone with Geico.

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Has Anyone taken The California insurance sales license test?

I am studying for the California Insurance sales license test, online. Life agent combo for life/accident insurance. Has anyone taken the on-site test? Do you know what score I will need to pass, and how is the test? Did you need to study very much to be able to pass? It is multiple choice but So many questions seem similar, it it challenging to keep them all straight....I would love to hear anyone's experience with this test. Thanks!

I assume you finished the school. I would call the school and ask them if they have a prep class.

It helps you pass the test. I suggest Mike Russ. I went there and the prep class really helped.

artislove, I located a big list of California insurance agents. http://www.findinsuranceagency.com/California-Insurance-Agents.html I'd try calling a few of them and see if they can assist you. A insurance agent should be able to help.

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Insurance california?

hi

I'm an international student who goes to college in Iowa.

I have a college insurance and I guess it convers most of meetings with doctors.

Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have "Californian" insurance to stay here. What is this? Is it wrong?

Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?

You should check your student plan.. have your adviser go over it with you. Usually the insurance is paid for annually. if you go "off campus" for additional studies the coverage should follow you. BUT the student policies are very different depending on what company is writing the coverage.

Dental coverage is not usually covered unless you had that added and pay additional for that policy, it's a separate coverage.

If you're going to be in California, check with a company called SmileSavers. They have a monthly premium, the coverage goes into effect immediately (it did when I had it) and the coverage was pretty good. make sure you check to see if the coverage will still be good when you go to Iowa.

YES if you get the correct insurance plan in California then it will cover your wisdom teeth being pulled out . . . it only hurts for a day or two, good luck. To find cheap insurance rates or to compare then visit websites like http://www.COMPAREusINSURANCE.com

Health insurance doesn't cover dental, in America.

You need to talk to your college benefits coordinator, and see if that policy you already have will cover you while you're in California for three months.

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Homeowner won't replace roof?

I'm a Southern California renter that has been renting this home for over 10 years. I've been denied renters insurance because the home has a wood shake roof that is in disrepair. I've asked property managers to replace with no results.

Besides moving out to a safer home, what actions can I take against the owner/property manager to get this roof replaced? I've already made a buyers offer on the house however owner won't discuss it.

Thanks

The first thing you want to do is send a certified letter to the landlord requesting an inspection of the roof. Let them know in the letter you are concerned about the safety of the house if this is not taken care of. By law the landlord is required to upkeep the home. If you have lived there for 10 years and the roof was not redone within 10 years before that, it probably does need to be reroofed. If the landlord does not respond to you within 21 days, resend a letter same way saying you are going to get estimates to have the roof redone and then send them certified again. Keep paying your rent on time. If you miss your rent then you lose your leg to stand on if this goes to court. If they have not started the repairs within a legal amount of time then you can have someone do it and take the amount off of your rent.

You might also get farther if you talk to your landlord and let them know that if the roof is not replaced they are setting themselves up for other problems with leaks and mold and so many other things.

Get a lawyer and start withholding your rent. This doesn't mean you can spend that money because you'll have to pay it eventually, but you can put it in escrow. You must notify your landlord that the repairs need to be made. Once a week for one month mail them a certified letter citing your complaint. Take pictures of the roof for documentation should this matter go to court. In your final letter to your landlord let them know that it's the final letter and that you will begin withholding the rent money in escrow until the repairs are made. Check out the link below.

you can contact a title company and have them put your rent into escrow until the owner fixes it. You keep paying the rent as usual but he can't access it until the roof is fixed. The law is on your side in this.

Lower the offer enough to cover the replacement of the roof.

If the local building codes won't require the replacement of the roof moving, or replacing it yourself after purchase maybe your only options.

If the roof is not defective, you have no legal basis for doing anything. I would suggest looking around for other insurers and negotiating with your landlord. Find out if he could get a lower insurance rate or if there would be other benefits to him and use them in your arguments. You are almost always better off negotiating than litigating.

To me, being denied insurance due to the condition of the home should be considered grounds for contacting the area health department or building code inspectors. Withholding rent could get you evicted.

well you thought you would get service and they should have a safe environment so what i would do is make an argument and bring up something like what if there was a little baby or kid in there you know that would be totally unsafe so try it cause this America if you have a problem with something bring it up to someone cause you have to speak up for yourself cause know one is going to do it for you. take my advice it is the best you can do it.

bonnie

Pay yourself and deduct your monthly payment from you rent. Make sure you keep all receipts and take pictures of the damage.

Talk to your landlord about you making some improvements to the property to help him out. By law, you should be able to deduct these expenses from your rent payments. But you may want to check your local and state laws.

Also, you could call in to the county to have an inspection of the property done if the roof is really in that bad of shape. Which could be enough to force the landlord to fix it (otherwise he'd have to let the units become condemned due to unsafe conditions). And if he was forced to fix it, and chose the same stuff, then you could pitch in the extra needed to get the insurable stuff (which could then be taken out of your rent).

you have to look to your lease. It should discuss who is responsible for maitenance. I would imagine the Landlord is responsible for the roof. If he refuses to fix it you can sue under a breach of contract.

Move OUT. I see no reason the owner should spend 10 or 15 thousand dollars on a roof simply so you can insure a TV and computer. Roof being in "disrepair" is your opinion and not up to you to decide what or when the owner has to do.

Sorry, but you need to be looking for a new place to live. Good luck

If you continue to rent, you should document your dealings with the property owner and contact a lawyer in your areas to discuss your rights, as well as the owners responsibilities.

Another option is notify your code enforcement office, or whatever agency addresses zoning issues in your area, and tell them that this is a dangerous building and have them go after the property owner.

If you plan on buying the house, you can use the condition of the roof as reason to get a lower price. If you buy the home the roof will be an issue when the inspection is done. At that point you can have th owner repair it, drop the price or walk away from the deal. Good luck with your decision.

Is there a way to get my chow/lab mix dog certified that she is not a threatening animal to anyone?

I know for insurance purposes, most renters in California won't allow people with chow-chows or chow mixes to move in...but is there any way to work around that? Perhaps if I got my own insurance liability policy for her? Or are there any organizations that can do some sort of behavior testing to certify she is 100% tame? My dog was a stray, and looks like a possible chow/lab mix. She has never had any trouble with strangers, she never bites or growls. She is actually the most peacful, happy dog I've ever owned. I need a place to live with her but no one will take us! Please help with your advice.

Thanks.

I run into the same problem a lot of times because my girl is an Anatolian Shepherd/Great Pyrenees mix plus she is almost 28" and 100lbs. I've had people look at her and back up, women grab their purses like she will mug them and parents grab their kids and walk the other way, it's insane. So far, I've had my girl CGC tested and certified as a therapy dog with Therapy Dog, Inc. (I want to try Delta, but am having a hard time getting them to call me back). Anyways, something else you might want to look into that I am waiting for a test in my area on, is the American Temperment Test Society (link posted below). My recommendation is to get as many "titles" on your girl as you can. That is what I am doing mainly to make it easier for her to be accepted and because after awhile it's fun.

2 things that you can do that may help is have it go through the CGC testing offered by the AKC. CGC stands for Canine Good Citizen. You can also have it certified as a therapy dog. The testing is a bit harder, but once you have that, there will never be a question.

The insurance purpose is that most insurance companies won't write an insurance policy if you own a chow, doberman, pitt, Rott or even a Saint Bernard. Statistics show these dogs often have aggressive tendencies.

What about getting her certified as a Canine Good Citizen?

http://www.akc.org/events/cgc/index.cfm

ask a local humane society.

Not any that I am aware of. You may find it hard because most lab/chow mixes are extremely aggressive and their owners are usually in the dark about this kind of behavior. You should always be very careful with your dog around other people no matter how she has acted in the past with other people.

First time renters in California...?

Please let me know if the table below is comfortable enough for 2 people.

Monthly Expenses ( 1 bedroom apt for 2 people)

Rent: $1200

PG&E: $120

Phone: $30

Food: $320

Car: $380

Car Insurance: $100

Gas: $120

Cable: $60

Internet: $30

Credit Cards: $100

Clothes/Entertainment/ etc: $400

Bills and Expenses/Above Total: $2860

Savings: $340

Paychecks/Total: $3200

Depends on if you commute or not. My husband and I easily spend about $300/mo in gas. Rent? it depends on if you are renting an apartment or house. Houses rent for around $1500/mo. Apartments are not too far behind in price (thats if you are looking for a 2 bedroom.

You should be able to get by.. but I doubt your gas will be that low. Also, food for 2 people may also be higher than $320 a month. I suggest you move somewhere cheaper, definitely not $1200 a month.. try spending round $750-$950 a month on a small studio or 1 bedroom apartent

Is it legal for an apartment to require you to buy renter's insurance as a condition of a lease?

This is in California. What if I just stop paying the premium after resigning the lease?

check your local codes, call your city hall rent control board and read your own lease

yes,because if anything goes wrong the the insurance would and should cover it.

My landlord has demanded that I get renter's insurance. Is this legal?

I live in Marina del Rey, CA, an unincorporated part of Los Angeles County. The new landlord (a big corporation) of my building has informed all residents that they are required to have Renter's Insurance covering not only fire and theft but also earthquake damage which is an additional large expense in So. California. Also, if you have a dog, you are required to get coverage for dog bites. In addition, they say that not only does the renter need to be on the policy but the corporation has to be "additionally insured" on the policy. The policy has to be proved to have been obtained within 30 days. I have lived in over 15 different apartments in my life and have never heard of a landlord demanding renter's insurance from its tenants. Is there any possible way this is legal?

The only way you will ever know for sure is to check the rent guidlines board in you muncipality, in your case Marina del Rey. If they are not online call the city hall or town hall. Don't take anyones advice but theirs. I have to say that it sounds a bit outrageous, but you never know. If it is not required, anything that the landlord writes in your lease about it may be null & void. Don't take the word of us amateurs, it is too important an issue.

Ignoring the legality of it, if it is in your lease you should probably abide by it and if it is not stated in your lease then you are under no obligation. The new landlord cannot alter an existing lease until the lease period ends and then they can provide you with a different lease. If I were you I would just move out. If you've lived in 15 different apartments, it sounds like you are used to moving.

Sounds like a great idea to me. I wish more organizations would make people take personal responsibility like this.

No - this is not legal.

Renter's insurance protects YOU and YOUR STUFF - not their building. By adding them as additional insured, theyr'e requirring that you are providing insurance for them.

The coverage for dog is probably legit, as they can be held liable - however, I still wouldn't have them on as additional insured.

I would file a complaint with the State of California housing bureau.

I own properties in the Iowa and Nebraska and can only comment on regulations in these states. I am not allowed to require renters insurance, but I do encourage it. The reason that the property owner wants you to carry this is that in the case of fire/disaster that is related to your actions, it will be paid by your policy and not thiers. This means that we don't have to pay the normally high deductable. I generally carry a 10k deductable. I however can't force somebody to carry this coverage. Check with your local attorney generals office for state regualtions.

PLEASE DO carry the coverage though. It's only 15 dollars a month and might be less if you have car insurance, normally the multi-policy discount makes your premium appear as there was no increase.

I dont know about legality, but practical

Might be legal in CA. It wouldn't be in PA. Fire and earthquake insurance is the responsibility of the property owner. No way they can make a tenant pay for that. You are also not responsible for insuring the corporation. Renters insurance is a good idea because it covers your personal lost in the event of a fire, earthquake, theft and even dog bites if someone where to try and sue you.

Call the city or county and ask them if this is allowed. Go online and look up the area you live and look up tenant/landlord law. Owners can require things to protect their property as long as it doesn't violate your rights. Earthquake damage would help protect your property as well, so would the dog bite liability... Laws are changing to incorporate things that did not use to be an issue... Laws change and polices change as the times change.....

Check you lease agreement to see if that is requirement as part of the lease. If not in the lease agreement and landlord wants it, negotiate a lower rent as consideration to take on new cost.

It sure is. If you don't get it, he can give you anywhere from 48 hours up to 4 weeks to move your stuff. That depends on local codes and laws. If he says you gotta have it, than you gotta have it.

No

Renter's insurance is good to have, but dog bite insurance

and putting their name on it, I would consult a laywer, they

would not be responsible for you dog if it bit anyone

and they should have their own insurance to cover building

damages. Earthquake Insurance, mmmmm, I would

check because if their is an Earthquake maybe your

stuff might get broke and your medical should cover

any injuries, so yes I think I would consult with a Real Estate

Lawyer.

The landlord is just protecting you and himself. I would get the insurance. You never know what can happen. I don't think its legal but he may have had problems before you moved in.

Can someone tell me what laws govern rental car companies in california ?

Also what is the minimum amount of third party lability that a rental company "must" cover in california without the renter having to buy additional insurance ?? Would appreciate links to the specific laws or good website !!

Most rental companies provide liability up to the state minimum limit of liability. So, what ever the state minimum is in CA - that's the amount the "must" provide and usually do provide.

However, the rental contract frequently says that any liability coverage they provide is excess to your liability insurance. That means, they pay only after your liability policy has paid it's limit.

If you do not have comprehensive or collision coverage on your car - you will have to purchase a damage waiver from the rental company.

How much does it cost to rent and live in California?

Specifically in the Central Vally. Rent around the area is about $700-$900 for 1-2 bed and 1 bath appartment. I have Gas and car insurance calculated into my budget, as well as phone (no cable or internet which saves about 100 a month).

I would also like to know an average cost of gas, water, elec, garbage, renters insurance, food, and anything else you can think of, for you personally (monthly) if you live near the area. I plan on moving in the near future and would like to know what my budget needs to be. Any additional expences that you can think of please tell me because I cant think of any more.

Chico, CA is pretty cheap :-) I was living in a 4 bedroom apartment for $925/ month, plus about $90/ month for PG&E (this was during the summer though), and internet was only about $50/ month. Trash was included in that... Not sure about the renters insurance, I joined a little late in the game to have to worry about that.

The central valley is a pretty big place and includes some moderately large cities and small farm communities. You may want to get more specific in your question.

Is renter's insurance required for tenants in california?

Even if it isn't required, it is still a very good idea. I have always had coverage. If some idiot next door starts a fire, and you lose all your stuff, you'll have no way to replace all of that quickly. It will take a longer than you want it to. Landlord's property insurance does NOT cover your belongings.

Renters insurance is cheap and if you have to replace your furniture and clothing and CD's etc., it's well worth the few dollars a month.

its required everywhere. I live in a suburb in Michigan, its only 10 bucks a month. Most car insurance companies offer it. mine is through State Farm.

Its also in your best interest to have renters insurance in case of fire or other disaster....

No, it's not required in California. But if you're a tenant and you have valuable items, I would suggest that you get it.

Regards

No, but a good Idea.

We are moving out of California for 2 years, we want to rent our house there. What do we need to rent?

What are the renters responsible for? What is our responsability? Insurance? Do they have to pay the renters insurance? How do we protect ourselves. We already have it rented for a year with my husbands company, but I want to do everything legal. What are the laws in California?

You don't have to pay renters insurance, unless you want it, the landlord will not pay this for you. Most states are about the same when it comes to renting what you are responsible for the differences in the law State to State are usually just about how the eviction process goes.

check with your consumer affairs dept. etc. for scams, or necessary things that need to be done. check too with your city about any licenses you need. I personally would get an appropriate lawyer to draw up a contract you can use. It might be worth the expense for problems that might come up, like missing furnishings, skipping out, damages, liability if they allow someone in the home who gets hurt & sues. A lawyer who deals with that area could answer those questions

and set up or file the papers you need.

www.dca.ca.gov california tenants

has lots of information regarding what a landlord is responsible for.

Get your own insurance as well have them purchase renters insurance not only to protect themselves but just in case the cause some kind of damage like a fire ect.

You can go through a company that handles finding the tenants, background checking the tenants, turn-key (getting them physically in the house), the lease, problems that come up, collecting the monthly payment. All you do is receive the payments!

California rental cost is very high in most area, renters should gave your like a contract, tell list of thing that is cover and not cover from the rental fee, some rental cover trash, water, eletriity, but some wanted you paid that in your own, all depend.

an apartment anything with an actual lease...especially in cali.

landloards pay for anything that goes wrong with your rental...(thats why you pay deposit)

Can apartments force you to carry rental insurance?

My apartment complex (in California) is forcing their tenents to purchase rental insurance. They will not renew your lease without proof of renters insurance. Is this legal? I know that it is a good idea to have rental insurance, but I am curious if you can legally be forced to buy it.

They surely can if their contract, (that you have signed), says that you must have renters.

Actually it is possible that the most important aspect of coverage from the "renters policy" is not recognized by most people.

Let's say you put a pizza in the over at 9pm and fall asleep. The pizza catches on fire and a small fire develops in the apartment. Before the fire department gets it put out, it causes $200,000 worth of damage to the apartment complex.

The landlords insurance company is going to pay him! BUT in their investigation with the fire department it is determined that YOU (negligently), caused the fire. You didn't mean to but, it was due to your negligence. His insurance company is going to come to you and ask you how you intend to repay them the $200,000. It is your responsibility due to your actions! At that time you want to be able to say to them, " I have a renters policy with ABC company, and part of that policy is liability coverage in the amount of $300,000. I shall submit a claim with my ABC company" ! SEE now the reason (in addition to having your own belongings covered?

About Renter's Insurance:

If your belongings are destroyed or stolen or someone sues you for an injury in your apartment or home, you are responsible.

No they cannot force you.

Renters Insurance is what you, the renter, can purchase and it's "optional". It usually will cover only your personal belongings and affects (things your apartment management couldn't care less about)

The owner of the property you rent from carries his own insurance to cover any losses he might incur as the result of a fire or natural disaster (or someone getting hurt on his property) and this will usually NOT cover the renters themselves.

You could contact an attorney but you might get the same information from your local Legal Aid Society and it won't cost you anything.

or,

CALIFORNIA DEPARTMENT OF CONSUMER AFFAIRS

1625 North Market Blvd.

Sacramento, CA 95834

(800) 952-5210

Here's something to look through:

California Tenants Rights and Responsibilities:

http://www.dca.ca.gov/legal/landlordbook/

I have heard this before... whether it's a legal issue, I can't say for sure. I think it could be more that the apartment complex insurance company is limiting their liability of risk, by getting the complex to confirm that their tenants have insurance.

Either way, get the insurance. I'm glad I did =)

Your question should be addressed to an attorney in California. And you are correct, it's a great idea to protect yourself.

Is it legal in California to force or require apartments tenants to purchase renter insurance?

hi check this link its good

http://insurancess.notlong.com

.

Actually, it's quite legal for private landlords to recquire their tenants to have renter's insurance. Kinda goes hand-in-hand for when you sign off that your landlord isn't liable if anything you own gets ruined or stolen.

Not in any State is it required to have rental insurance on apartments.. Im in the biz. Trust me. Its nice in case something does happen ( knock on wood) but not necessary)

hi check this link its good

http://snipurl.com/1mult

.

How do I get to the state of California tax web page, I need a form on line?

I'm looking for the California State renters insurance form on-line. I lost the address for the state of California. Tax forms on-line.

Here is the web site: www.ftb.ca.gov/forms

Recommendations for renter's insurance in California?

I need to get renter's insurance in Ontario, California. I have already gotten a quote from my auto insurance agency. But I'm still looking for quotes. Anyone have renter's insurance through an agency that they've really liked?

The apartment complex works with a company called Assurant, and recommended I go there. Has anyone ever worked with this company? (www.rentersdirect.com)

For car insurance the quickest way to get a low quote is do a auto policy comparison. Be sure to choose the same coverage levels, you can get an fast quote to compare against others. Use the same zipcode, car make/model, mileage and driving history to ensure you get accurate comparison. To get easy auto quotes, go to http://www.usinsuranceadvisor.com/Auto-Insurance.html and you can compare the major auto insurance companies.

Typically, you receive a discount for having your auto and renters policy with the same company. You may get a better rate on your renters policy with another company, but then you lose the discount off your auto insurance. More times than not, because renters insurance is pretty cheap for all companies, the best deal for your renters policy is the same company that has your auto insurance.

You can try going to the Free Insurance Quotes website in the source box below. You can fill out a short form and get multiple renters insurance quotes. If's free to fill out.

Who provides the best Renter's Insurance in California??? What is Renter's Insurance Anyway?

Hello... I am new to renter's insurance.

Does anybody know a good website that I can do research???

Generally what does renter's insurance cover???

Thank you for your answers!!!

We have USAA and renters insurance covers the stuff in your rental unit. It also depends on what you want covered we have an extra policy for my jewlery and our computers and we also have coverage for flood and earth quake. For us who rent it is like having homeowners insurance. If the house i rent catches on fire to no fault of my own then my renters insurance cover my possesions in the house since i do not own the home. I know that geico has it most companies do just watch out about your coverage and make sure you have enough to cover the cost of basically buying everythign in your home if something were to happen we have coverage of $25,000 plus our 2 other policies and it runs us about $25 a month. They will ask you series of qusetions that will help determine your coverage needed.

Renters Insurance covers majority of what you own. About 95% of all insurance company do cover it. i will recommend Travelers insurance they are one of the best.

Covers your belongings, and damage to your property. All insurance companies carry renters.

What is the best type of renters insurance available in California?

I want to get renters insurance in California, any good affordable ones available? I noticed nationwide and statefarm are not available here. I am using Geico for car insurance. TIA!

Does Geico do renters insurance in CA? That's the first place I'd check.

Otherwise, policies are pretty similar, and cost about the same amount - $150 for $20,000 of contents coverage.

Any local, independent agent (which isn't Nationwide or State Farm) should be able to help you with this. Unless you want to go it alone with Geico.

renters insurance california

renters insurance california