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Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Ken McLaughlin Insurance Services, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
 

Additional Insurance Options


Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

Representatives from Ken McLaughlin Insurance Services are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Our Locations

Ken McLaughlin Insurance Services-Campbell

1566 La Pradera Dr. #7
Campbell, CA 95008
Main office: 408-364-1360
Fax: 408-374-0450

Ken McLaughlin Insurance Services-Oakland

6417 Sunnymere Ave
Oakland, CA 94605
Main office: 408-364-1360
Fax: 408-374-0450

Our Providers

Testimonials

Having Ken as an insurance agent is like making a new friend. His customer service is 'up close and personal.' A call to Ken is always answered proomptly. His help and expertise was invaluable when I started my small business and needed insurance beyond just a basic home policy. It's a comfort and a pleasure to do business with Ken McLaughlin Insurance. Maria Maze, Owner, Little Sky Lavender Farm

Deborah Olson & CJ Olson Cherries