Renters

Renters Insurance

Renters Insurance Protects you in several ways...

▪ Replaces your belongings in event of theft, fire, water damage, or other covered claim.
▪ Pays for a place to live, while repairs are made.
▪ Provides liability protection in case of an accident or a frivolous claim against you.
(sometimes required by property management )
▪Can cover your mobile phone, laptop, jewelry if stolen or lost, for under $4/month.

At GVIS Insurance, we search among the many Top-Rated Carriers for the Best Plan at the Best Price for you. Here are our most popular plans:

                                       Plan:        Budget        Standard        Deluxe
         Coverage:
       Personal Property       25,000         35,000          50,000
       Liability                       100,000       100,000        300,000
            Monthly Payment         $14              $18               $24
         Down Payment             $49              $53               $59
                or
         Annual Premium          $203            $251             $323

            * Credit/Debit/PayPal Payments OK!
       **Rates are estimated and are contingent on personal application details and approval. Rates and
                   plans are subject to change.

Coverage Descriptions

Personal Property – Coverage for your personal belongings in the house. Consider the value of all your clothes, furniture, kitchen items, cds/dvd/books, everything you need to replace in event there is a fire. Make sure you tell your agent about valuables; such as, jewelry, musical instruments, business equipment, etc. If any item is valued at over $5,000, you may want to insure it on a “scheduled” basis.

Liability Protection – Amount needed to protect your assets in event of an accident on the property and even provides defense against a frivolous lawsuit. Your liability coverage should be equal to or more than your home value.

Select plans from the following top-rated carriers and more...

Helping businesses, families, and individuals protect their financial future.

Have Questions? Call Us today at (800) 846-5902

The Engagement Ring – What you need to know…

An engagement ring is the largest purchase a single man will make that doesn’t have four wheels. This purchase symbolizes his true commitment to the relationship.

Not only is the engagement ring a personal commitment, it is a large financial commitment as well. A general guideline for the engagement ring budgets is 2-3 month’s salary, but most end up being around 6 months of the groom’s salary. This represents thousands of dollars before the wedding planning even starts!

What happens if you lose the ring?! We have all heard many stories about rings going down the sink, flushed, stolen or just plan lost. A simple solution is to have your ring insured. In this case, we are not talking about insurance the jeweler offers. Those often cover the setting and other manufacturer defects (warranty). We are referring to true insurance that will replace the ring at full value for a covered loss.

There are two ways to have your ring insured.

1. Personal Jewelry Floater – This covers your engagement ring and other jewelry. It is called a floater because it is not attached to any other type of coverage. In addition to theft, it will cover losses cause by “mysterious disappearance”, which means, just plain lost it.

2. The best way to cover your engagement ring is to insure it with your renters, home or condo insurance. First, you will get beneficial rates by insuring it together with other coverage. Next, your coverage will be very broad and include: theft, “mysterious disappearance”, and other losses, such as being destroyed in a fire or other events that happen at your home.

Proper insurance coverage on your engagement ring will pay for the cost to replace it for the appraised value or purchase price of the ring (whichever documentation is provided when coverage begins). If something does happen to your ring, you will be able to replace it without the worry of spending thousands of dollars a second time. And your wife/fiancé will appreciate your consideration.

For more information on Engagement Ring Insurance, contact us at (800) 846-5902

EARTHQUAKE INSURANCE

Earthquake Insurance is an important coverage in California. Property Insurance DOES NOT cover claims due to earthquake. Home ownersmust know that there are specific policies available for earthquake coverage from private companies and the state of California.

The State of California has a program offered by the California Earthquake Authority (CEA). The CEA was created to offer insurance to all California residents when it was not available in the private insurance market. While this coverage is not all-encompassing, it is the best way to protect your property from a catastrophic loss due to earthquake.
Please contact us for more information on earthquake coverage.

Toll Free: (800) 846-5902

More Earthquake Links:
CEA- 7 Steps to Earthquake Safety
http://www.earthquakeauthority.com/index.aspx?id=86&pid=5
CEA- About Earthquake Insurance
http://www.earthquakeauthority.com/index.aspx?id=13&pid=2
USGS - U.S. Geological Survey Earthquake Hazards Program
http://earthquake.usgs.gov/
http://earthquake.usgs.gov/eqcenter/recenteqsus/Maps/special/California_Nevada_eqs.php
http://earthquake.usgs.gov/eqcenter/recenteqsus/Maps/special/California_Nevada.php
CALTECH - Southern California Earthquake Data Center Home
http://www.data.scec.org/
CALTECH - Recent Earthquakes in California and Nevada
http://www.data.scec.org/recenteqs.html