Personal Property Protection Built for California
Personal Belongings
Your landlord’s policy only covers the building structure, completely excluding your assets. This protects your electronics, furniture, clothes, and everyday essentials from fire, theft, and water damage.
Out-of-Home Protection
Your coverage doesn't stop at your front door. If your laptop is stolen from your car, or your luggage goes missing while traveling outside of California, your policy steps in to cover the loss.
Personal Liability
Legal defense and financial protection if a guest is accidentally injured inside your apartment, or if you accidentally cause major damage (like a kitchen fire or overflowed tub) to the rental property.
Optional Endorsements
Water Backup Protection
Standard renters policies exclude damage caused by backed-up apartment sewer lines or drains. This upgrade ensures your property is covered if a building pipe fails and backs up into your unit.
Roommates Coverage
Traditional policies only cover the named insured and immediate family. We can easily extend your policy protections to cover your non-relative roommate.
Valuable Items
Baseline renters limits place strict caps on luxury items. Secure full, scheduled protection up to true market value for high-end jewelry, watches, firearms, and specialized collections.
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