Renters Insurance
Renters Insurance in California
Many renters think they do not need insurance because they are protected under their landlord's insurance policy. Some renters believe they don't own enough materials to justify purchasing an insurance policy. If you were to lose all of your most valuable items while you were away from home, can you afford to replace your property out of pocket? If something tragic happened to an invited (or uninvited) guest, can you cover medical or even legal expenses?

The AA Lares Insurance Protection Team can help protect your assets and belongings with a policy designed specifically for tenants. We'll make sure you're covered for additional living expenses you might incur if you're forced from the apartment or other residence you rent. Some people think they don't have enough valuable items to insure, but an affordable renters insurance policy (under $20 per month) covers computers, furniture, gaming systems, televisions and sound systems.

As a local, independent insurance agency, we work with dozens of AA-rated insurance companies and we shop on your behalf. It's much easier for us to shop your policy than you having to visit from one website to another, entering all of your information each time and keeping track of which company offers what.

Don't make the mistake of buying an all-in-one insurance policy from an online quote provider. Contact us at AA Lares Insurance Services and let us help you figure our what exposures you face and how we can properly protect your new living situation. Below are some common coverages offered in a renters insurance policy.
Personal Property
Personal property protection assists you in replacing your possessions due to loss or damage from fire, theft, vandalism and other risks.
Personal Liability Property Damage
Liability protection for covered claims made against you or a family member that lives with you for property damage.
Loss of Use
This protection covers extra expenses you  may have due to a covered loss, such as staying in a hotel when you are unable to occupy your apartment.
Valuables
Many renters policies protect valuables like jewelry, fine art, or other collectibles, as scheduled by you. Some items like gold have limited coverage.
Personal Property Bodily Injury
This covers medical expenses for your guests who are accidentally injured on your property.
Identity Theft
This is an optional coverage for credit card loss while you're away from home.
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DISCOUNTS

** Multi Policy discount when you combine renter's coverage with your auto or any product with the same carrier. **

 ** Fire Alarm and Sprinklers in your home **

** Loyalty Discount if you have been with us for more than a year **
(some carriers only)

OUR RENTERS INSURANCE CARRIERS
ADDITIONAL COVERAGE TO CONSIDER
Auto Insurance
We offer coverage that meet the needs from beginner drivers, to classic and luxury cars, to mature drivers. Call the AA Lares protection team to find you the most coverage at the lowest rate.
Motorcycle Insurance
Join one of the most sought after motorcycle insurance programs through AA Lares Insurance. We offer insurance carriers that provide unique coverage for motorcycle riders.

Boat Insurance
You deserve to enjoy your time out in the water with your friends and family worry-free. Call or Email the AA Lares Protection Team to insure your boat, jetski, or watercraft vehicle today.

Life Insurance
The insurance specialists at AA Lares Insurance are ready to help you research life insurance options that make most sense for your life and family. Email an expert and set up an appointment today.
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SPEAK WITH A SPECIALIST
  Office Hours 
     
Monday                                        9:00 AM - 5:00 PM

      Tuesday                                       9:00 AM - 5:00 PM
      Wednesday                                 9:00 AM - 5:00 PM
      Thursday                                      9:00 AM - 5:00 PM
      Friday                                           9:00 AM - 5:00 PM
      Saturday                                     Available by appointment
      Sunday                                          Closed
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