Alta Vista Insurance Agency has helped many Vista, CA home or apartment renters find great renter’s insurance policies for their needs. For example, we have helped people with extensive baseball card collections protect this investment from various serious dangers.
What Renter’s Insurance Covers
Renter’s insurance covers a handful of unique elements: liability, personal property, medical expenses, and loss of use. The most important coverage option for your baseball card collection is personal property. If you have a high-value collection in your rented home or apartment, your policy may protect you.
It is important to get an estimate of your collection’s overall value and to get that estimate in writing. Store this information somewhere protected, such as in a deposit box or a safe. A standard renter’s insurance policy should have enough protection to pay for your replacement.
Your Policy May Cover Many Issues
What exactly will your policy protect your collection from experiencing? Your renter’s insurance may cover the replacement cost if your cards are destroyed or stolen, up to your policy limit. That’s why it is important to get coverage that is broad enough to pay for your baseball cards.
Note that your policy may cap off at a specific percentage if your items are stolen from your vehicle. This limit means that you may want to store your baseball cards in your home, rather than in your car when buying renter’s insurance. Doing so can minimize your risk of loss.
Do You Need a Policy?
If you need a renter’s insurance policy, please contact us at Alta Vista Insurance Agency. Our team will work with you to find a Vista, CA renter’s policy that will cover your baseball card collection. In this way, they are safe for that day when you finally sell them and make big bucks.