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Need Renter's Insurance
After paying every month for 20+ years for renter's insurance through CSAA,
they dropped me because I made two claims last year. I appealed but was
denied. Anyone have a suggestion for a company or broker who would insure me?
I don't mind a large deductible, since I will probably never make a small claim
again ... but if the house burns down I'd like to be covered.
Am I uninsurable??
Give Tom Madden from Farmers a call. He and his wife Marjorie have been very
helpful for us. Lot's of practical advice and a nice guy too.925-283-5083
I have a dog who is probably part pit bull (best guess is
pit-sharpei-something else) but definitely not a purebred and no proof
of what she is at all (rescue dog, listed as a ''boxer mix'' probably
to not scare people away). I want to get renters insurance but if you
have a pit bull, most places won't insure. Any recs for an insurance
agent to talk to who understands? The dog has no history of bites and
has been through obedience school if that matters.
pit mix mama
As property owners, we require all tenants to maintain renters' insurance for
any rental, with or without pets, because renters' insurance protects both
renters and property owners.
Berkeley Property Owners' Association has a long history of finding information
that is ''un-findable:'' http://www.bpoa.org/ - (510) 525-3666
Contact an insurance BROKER, not an in-house agent for an insurance company. We
use Fidelity Insurance in Berkeley because Steve Holland seems to know the
ins-and-outs of insurance: http://www.manta.com/c/mm26jrj/holland-steven -
Good luck with your search,
Careful property owner
Bad Rap (Bay Area Dog Lovers Responsible About Pitbulls) is a great resource for
this sort of thing. I've posted links to their renter's resources page. We have
USAA renter's insurance and we have a pit mix- only caveat with them is that I
think you may need to have a family member who has served in the military (my
dad in my case) but I'm not sure. There are also a bunch of mail order DNA kits
you can use for $50-75 to determine you're dog's mixed breed ancestry.
Hope that helps! Proud Pit -Mix Mama
I am looking for renters insurance and noticed there were only a few
posts in the archives and they were from 1999. Does anyone have a
good insurance company they could recommend for Renters Insurance.
It also seems that although my boyfriend and I live together and have
joint ownership of many items we have to buy seperate policies? I just
had my car stolen and am feeling a bit nervous since I just bought a new
bike so I am looking to cover for theft like bikes, computers, and antiques
mainly. Thanks for any information.
I had a very good experience getting renter's insurance from Farmer's Insurance Group
through Philip Blakeney's office on Leimert off of Park Blvd. in Oakland. They were
friendly and helpful. When I shopped around originally, I was rejected by other
insurance offices because I'd had a burglary in the previous 6 months. I was in a similar
situation to you, and I was able to have both my name and my boyfriend's name on the
insurance policy. His bicycle was stolen from the house, and he made the claim and
received reimbursement without any help from me. I cancelled the insurance about a
year ago because we no longer needed it. Their number is 530-7445.
Rommel Fernandez, Farmers Insurance Agent specializes in renters insurance.
His phone is (415) 27-9090
He is a former social worker. He's warm, caring and a good listener.
Good for you that you have decided to buy renter's insurance! I
have friends who have suffered enormous losses as uninsured
renters . . . and renter's insurance is pretty inexpensive. I
have always used Amica Insurance for all of my insurance needs
(renter's, auto and now homeowner's insurance). They may not be
the cheapest, but they are always a top-rated company by
Consumer Reports. I had a pretty sizable loss as a Berkeley
renter in the 90's, following a burglary. All of my
electronics, cameras, my bike and my leather jackets (among
other things) were taken. Amica was very responsive and
reimbursed me above and beyond what I expected or even asked
for. Given my financial situation at the time, I never could
have afforded to replace even half of what was stolen. Make sure
you get replacement cost coverage and not cash value! Amica
does not advertise. You can reach them at 1-800-24-AMICA, I
Happy I had renter's insurance
Do you have renter's insurance? any recommendations?
I have purchased renter's insurance from Allstate for many years
and have been happy with their service. I work with an agent in
Southern California, but you can probably find them in the telephone
book. I think their rates are probably in line with other major
providers, but in my experience they have provided a particularly
high level of customer service. I held a policy with them when I
lived in Los Angeles, through one garage theft and the Northridge
earthquake, and I was very pleased with how quickly and
thoroughly my claims were addressed. The only part that's a bit
inconvenient is that although they provide full replacement cost
coverage on contents, they do so by first paying depreciated value
on the item. Once you actually replace it, you submit the receipt
to you and they reimburse you the difference.
We have always had renter's insurance, because it covers more than theft in
an apartment. It covers losses due to fire, including fire caused by
earthquakes (earthquake insurance is separate). Additionally, it covers
bicycles stolen while parked, cameras lost during travel, etc. We are
getting ours through CSAA. We found their rates to be very reasonable.
I had renter's insurance from AAA for about 4 years. Cost was about
$70/year, depending on how much you want to insure for. When my bike was
stolen from my garage, they were very prompt in sending a "replacement"
check. I now have AAA for my homeowners ins. also.
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