Best Renters Insurance in Santa Clarita CA | Carlos Villalobos Insurance (661) 673-7788

http://carlosvinsurance.com Renters Insurance by Carlos Villalobos Insurance in Santa Clarita, CA. Carlos Villalobos provides renters insurance for residents in Santa Clarita, Valencia, Stevenson Ranch, Canyon Country and surrounding areas in California. Speaker 1: Let's just jump into renters insurance. Speaker 2: Yeah. This will be kind of you and I going back and forth a little bit since renters and landlords are things I've been doing for twelve years. Carlos Villalobos: Yeah, I agree. I think renters insurance is so important, and yet less than thirty percent of renters have insurance for their personal belongings. They don't even know it's available. A lot of apartment buildings nowadays, they will not let you move in without having renters insurance, and it's very economical. It can be less than two hundred dollars a year for up to twenty-five thousand of personal property. Speaker 2: Yeah. And one of the things that people don't take into consideration with renters is as a landlord if I have flood and that flood affects your area and your personal belongings, I'm not liable. It says so in my lease, that you should carry your own insurance to cover all your personal goods if something was to happen on my property. Carlos Villalobos: That is correct. You are very smart in having a lease that says that, because a lot of people, it does not say that in the lease and that's when you get into arguments. Renters insurance goes beyond just covering the personal property. How about the liability? How about if you have a party, somebody trips and falls and says it's your fault? What if you talk bad about somebody? Slander. That can all be incorporated into the renters policy to have you protected properly. Speaker 2: And slander can be proven very easily today with Facebook. Carlos Villalobos : That is so true. If you look at your homeowners policy ... Not changing gears here, but a lot of policies don't cover that, so you just need to add a rider to your policy to make sure that you're protected, because that is so common now with Facebook or Linkedin or anything else that you're on social media. Speaker 1: That's why we have Carlos Villalobos of Carlos Villalobos Insurance. You don't just quote. You actually ask the questions and you find out more information and make sure they're actually covered, because anybody can ... I mean you deal with it all the time. I'm sure people go, "I got quoted this. How come you're so much higher or are higher?" Not always higher, but you can be. A lot of times I've seen it where they can manipulate so many factors of an insurance quote to make it seem better. Carlos: You're absolutely correct. If the input that you're putting into the quoting system is the same with all the agents, the premiums should be very, very close. What happens is that they cut corners to lower the premium, and if you never use the policy then no harm done I guess. Speaker 1: Until you need it. Carlos Villalobos: Until you need it. Then you realize, oops. What we try to do is educate people and tell them what's available, what's not available. Speaker 1: What they should think of. Carlos: Yeah, the bottom line, it's your insurance policy. Speaker 1: You mention stuff like I could have gotten a cheaper policy, but if something does happen to your house you have loss of use. Where are you going to live? How are you going to live? If you're house is being taken care of ... Like we just had one of our clients, three and a half months he's been out because of a flood in his house. A pipe burst and it took three and a half months Speaker 2: I was going to say you've got to clarify it was not rain. Carlos Villalobos : Let's go back to that renters policy, because you bring up a great point. What happened to that renter if the same thing happened and he has to go rent another apartment? Speaker 2: I'm going to chime in on that. I had two renters. The one on the upper unit had insurance. The one in the lower unit did not have insurance. Both units had to be vacated for a little over two months while they were being rehabbed, and the one with no insurance actually had to find a different place and had to get the reimbursement of the security deposit from me and they didn't get any compensation for being displaced. Carlos Villalobos Insurance Agency, Inc. 25001 The Old Road Santa Clarita, CA 91381 661-255-8282 (direct) 661-255-8786 (fax) 800-750-5552 (toll free) [email protected] Lic.#0H64767