So you’ve moved to San Francisco to chase your dreams. That’s great! Hopefully you’ve secured an apartment, it can be so hard to find a good place (at least, for less than an arm and a leg). Once you’ve gotten an apartment, make sure you take some time to consider where you can get renters insurance in San Francisco. 

Looking for a quote? Get a quote for renters insurance in San Francisco in 2 minutes on Bungalow. No one makes it easier! Not convinced you need renters insurance? Read on to learn why you probably do!

Why you need renters insurance in San Francisco

Could you afford to replace all your stuff if your apartment burned down or was damaged in a storm? Renters insurance covers both cases – and much less dramatic ones!

Also keep in mind that San Francisco, despite all of its cultural appeal, still has crime like every major city. Renters insurance will protect you from theft and vandalism. By the way, renters insurance also covers volcano eruptions (!), so if those dormant volcanoes at Sibley Volcanic Regional Preserve suddenly show any signs of life, renters in San Francisco shouldn’t have any reason to worry – so long as they purchased renters insurance. Don’t believe us? Check out why the New York Times recommends purchasing renters insurance.

Additionally, many landlords now require that renters buy insurance in San Francisco. This helps both the landlord and the renter!

If your landlord already has insurance, do you need to buy renters insurance in San Francisco?

Your landlord’s insurance only covers the building you live in, not your belongings inside. That’s what renters insurance is for! Can you imagine buying new furniture, laptops, and clothes out of your pocket if your apartment burns down? For just a few dollars per month, renters insurance will replace your belongings if they are lost or damaged.

What else does renters insurance cover besides my property?

Renters insurance also has the following coverages:

Personal Liability – This will help cover your costs if you accidentally hurt someone or someone’s property and get sued as a result. A typical amount is $300,000.

Medical Coverage – This will help pay for medical expenses if someone is hurt on your property. Insurance companies provide this to help avoid lawsuits. A typical amount is $3,000.

Loss of Use – This will pay for a hotel or somewhere else for you to stay if you something happens to your apartment. A typical amount of coverage is $5,000.

With all these coverages, it’s no wonder that US News says you can’t afford to skip buying renters insurance.

Is renters insurance expensive or hard to buy?

Hopefully by now, you would agree that renters in San Francisco should have renters insurance. So what’s stopping you? Many people think that renters insurance is too expensive. Luckily for you, that’s just a common misconception. Renters insurance in San Francisco typically costs $15-$25 dollars per month. Most people will spend that much at Blue Bottle Coffee this month. Not so bad, huh?

What else? Getting renters insurance is boring and complicated, you say. Well, here you got me. Generally, getting renters insurance is a somewhat tedious process. With most companies you’ll my have to speak to an agent over the phone or in person. But that is exactly why we created Bungalow – to make buying renters insurance quick and easy, right online.

Now you have no excuses stopping you from getting a renters insurance. Get a free quote today 

If you have additional questions about renters insurance, check out our more comprehensive Millennial’s Guide to the Best Renters Insurance