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If you are a California resident who is renting your home rather than buying it, you may not think that you need renters insurance. However, it's just as important to take out adequate insurance if you rent, regardless of whether you live in a house, townhome or condo. California renters insurance is relatively inexpensive, easy to apply for and provides peace of mind and protection for you and your valuables, whether you are a student, homemaker or senior citizen.

You may be thinking that, as a renter, you don't really need to have California renters coverage as you don't have that many possessions. However, once you start adding up the cost of all the things that you own, you may be surprised - in fact, most tenants own a small fortune of goods which are not covered under any other policy. This amount would include things such as furniture, clothing, computers and electronic equipment, books, sporting equipment, collectible items, jewelry and other miscellaneous items.

There are several ways to save on the cost of your California renters insurance policy. If you have life, health or car insurance, consider bundling these all together, along with the cost of your renters coverage, to get a discount. Even if it isn't possible to do this, it is usually less expensive to have your car coverage and renters insurance through the same company. Most companies that offer California renters insurance want as much of your business as possible and will generally offer customers a financial incentive to achieve that.

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