Earthquake and Fire Season in California: Why Renters Insurance Matters More Than Ever

When disaster strikes, your landlord’s insurance may cover the building but not your belongings or your hotel stay while repairs are made. Without renters insurance, those losses may come directly out of your pocket.

The Reality of Fire Season and Seismic Risks

California’s fire seasons have grown longer and more destructive. The state also lies on fault lines that experience damaging quakes. Residents must account for these risks with the right combination of coverage, including renters insurance.

Understanding Earthquake Coverage

Standard renters policies do not include earthquake coverage. You can purchase a separate policy through an insurer that offers California Earthquake Authority policies, or through an insurer’s own earthquake policy. A standard earthquake policy can cover the following:

• Emergency repairs needed to protect your belongings from further damage
• Personal belongings damaged or destroyed by shaking
• Additional living expenses if your unit becomes uninhabitable

Liability and Temporary Housing

Renters insurance offers third-party liability coverage, which can be beneficial if you’re held liable for causing bodily injuries or property damage to another party.

It can also help you pay for additional living expenses, such as meals and temporary accommodation, if you must move out of your rented property for the time being while repairs are underway.

How Our Team Can Help

Our team reviews your coverage needs and matches you with a policy built around your living situation. We can help you understand what a standard policy covers, where gaps exist, and whether adding earthquake coverage makes sense.

Contact Valley Multi-Services, LLC today to review your options and request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.