Dennis Volz: Renters Insurance - BIG POLICY in a small package (Part 1)

Renters Insurance in San Diego is simply one of the best deals on the planet!

OK ! I know you’re thinking ‘What could possibly be so Fabulous or COMPLEX about Renters Insurance?’

Well…. Here’s the inside scoop !

Here’s a little overview….
(All policies are slightly different. These are examples of what a typical policy might have.)

1. It protects your stuff at home
2. It protects your stuff on vacation
3. It protects your stuff in the USA
4. It protects stuff you may have in a storage facility
5. It protects your stuff all over the world !
6. Yes, that’s right… you lose your stuff ANYWHERE on the planet…you’re covered just as you are in your own backyard.
7. It protects your CHECKS & CREDIT CARDS if they’re stolen
8. It gives you Liability protection....that’s when you get sued
9. It gives you protection for stuff you’d never imagine. Here’s just a few examples
10. For example:
11. Money, Bank Notes, Coins (including collections) up to $200
12. Property used or intended to be used in business
13. On premises up to $1,000
14. Off premises up to $250
15. Watercraft and equipment - up to $1,000
16. Securities, Checks, Traveler’s Checks - up to $1,000
17. Trailers (not used with watercraft) - up to $1,000
18. Stamps, trading cards, comic books (including collections) up to $2,500
19. Theft loss of:
20. Jewelry and Furs - up to $1,000
21. Firearms - up to $2,500
22. Silverware and Goldware - up to $2,500
23. Rugs, tapestry, wall hangings
24. Per Item - up to $5,000
25. Aggregate - up to $10,000
26. Home Computers - up to $5,000

WOW, you say!
That’s quite a list.
Yes it is…and there’s MORE…Yes, there’s a LOT more…
But before we get to that … the WHAT and HOW TO BUY Renters Insurance,
let’s talk about the WHY!!
Why would anyone need renters insurance….

The answer is simply this…
Because you’ve got LOTS OF STUFF ! !

“No I don’t,” you say…

Well, imagine, JUST FOR SECOND, if you would please…..

You’re sitting outside on a cool October night. You have a warm wool blanket wrapped around you and around you is the sound of people working, cleaning, the hum of a diesel engine. The blanket was given to you by a firefighter, the people working are firefighters , and the hum of the diesel engine is the fire truck that’s just dumped 30,000 gallons of water on your, now black and flattened residence.

You’re just a little freaked out but you’re ok. So is everyone else who was in the house with you. All that is ok, but EVERYTHING YOU OWN is toasted to a crispy black residue that’s still smoldering from the heat of the fire. It’s all gone: your entire wardrobe, TV and DVD player, stereo system, all the dishes in your kitchen, furniture, bed linins, towels, silverware, blender, your Xbox, your digital camera and last, but not least…. your treasured iPod.

Here’s a typical list of the average single-person household. If there’s 2 or 3 or more of you, it’s even higher

Personal Property Replacement Value

• Furniture $ 8,907
• TV, VCR, Stereo, Tapes, and CDs $1,777
• Home Computer $1,647
• Microwave $151
• Other Appliances $240
• Clothing $3,700
• Paintings, Prints, Photos $792
• Glassware, China, and Silverware $612
• Sports Equipment $600
• Cameras and Photographer’s Equipment $795
• Books $704
• Jewelry $1,023
• All Other Property $4,000

TOTAL PERSONAL PROPERTY $24,948

You see, here’s the problem with all that STUFF…. You bought it just a little at a time. You know, a CD here, a blender there, a couple of jackets somewhere else. Then, before you know it, it’s all there cluttering up your drawers, your closet and every other space in your place.
I know…You’re probably thinking that RENTERS INSURANCE is really expensive. Well here are the facts….

“WHAT?!?!” you say. “Lawsuit ! !”
Yep, lawsuit. Could it happen to you? The answer is…

Of Course It Could ! !
But we’ll talk about that in a minute.
So…. For just about the cost of a DVD a month, you get protection for
ALL YOUR STUFF.

Protection for all your stuff ANYWHERE IN THE KNOWN UNIVERSE. Doesn’t matter if you’re in the good old US of A, Mexico, China or Australia…

If your stuff is stolen from your car,
IT’S COVERED!!!
There might be damage to your car though. THAT’S covered under your auto insurance. I’m sure you have car insurance !

Here’s all the kinds of things that your stuff could be covered for…

• Fire or lightning
• Weight of ice, snow or sleet
• Explosion
• Aircraft & vehicles
• Smoke
• Sudden and accidental tearing or bulging of heating or cooling systems
• Windstorm or hail
• Theft
• Riot or civil commotion
• Falling objects
• Vandalism or malicious mischief
• Sudden and accidental water discharge from plumbing or appliances
• Freezing of plumbing systems

So you can see that there’s coverage for many different circumstances. Realistically, the most likely ones you’ll need in your lifetime are FIRE, THEFT, SMOKE DAMAGE and maybe VANDALISM.

So for the price of a DVD A month you get all that…

And just like the TV commercials tell you….
BUT WAIT ! ! ! ! THERE’S MORE COMING IN PART 2 ! ! ! (this WILL begin to sound like a Ginsu Knife Commercial!!!)

 

 

 

 

 

 

 It's a Good Life !

Dennis Volz Insurance Agency
10783 Jamacha Bl, Suite 1, Spring Valley, CA 91978
OFFICE: (619) 670-1000 - FAX: (619) 670-1121 - Cell (619) 339-1339
Email: Dennis@DennisVolzInsurance.com
Websites: Company Site:  DennisVolzInsurance.com

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This post contains only a general description of coverages and is not your insurance contract. Details of coverage or limits can vary. All coverages are determined by the terms, provisions, exclusions and conditions of your policy along with any endorsements.