FAQ'S

How is this program pre-qualified?

We have taken the time to research each apartment community and qualify them based on Farmers Insurance underwriting guidelines. We know the particulars of your chosen community, and you need only decide how much liability and personal property insurance you need. The initial quotes are based on minimum requirements of your apartment community. If you are not sure what you actually need, or think that you might need more coverage, please call us to discuss your specific needs.


Are there discounts available?

YES! We can show you how your Renters Policy can cost you nothing at all! That's right. If you combine your Auto Insurance with this Renters Policy, the savings on your Auto Insurance may actually be more than the entire cost of this policy! Click here for details


Can I talk to a real person?

Absolutely! We are real people just like you, and we look forward to speaking with you. We will also meet with you in person if you so desire. Please call us at 408-371-9500 to set an appointment with an agent. If you call and we are unavailable, please leave a voice mail with your contact info, and we will be in touch as soon as possible.


Who are you?

We are Farmers Insurance agents who share an office in the San Jose area. We have clients all over the Bay Area and Northern California, so we are often in your area and would like to meet you sometime soon. We believe in building relationships with our clients to learn more about you. It helps us do our job well. If you'd like to meet with us in person, just let us know and we'll set it up!


Why does my Landlord require me to have Renters Insurance?

The Liability portion of your Renters Insurance policy will protect you and your landlord if you cause damage to the building or other persons. An example of this would be if water is left running in your apartment and floods another portion of the building. Or a kitchen fire that extends to the unit next to yours. Without this coverage you could be sued for the amount of damages that you are liable.


How does Renters Insurance benefit me?

Aside from the liability protection explained in the previous question, your personal property is also protected in case of fire, water damage, theft... etc. up to your personal property policy limits.

Why are the rates different at other communities?

Insurance companies base their rates by area (zip codes), and by the age of the building, type of construction (especially roof types), safety (alarms and sprinklers) and maintenance conditions. Rates are higher in areas where there are more claims (on average) and lower where there are fewer claims.

South Bay Renters Insurance Program underwritten by Farmers Insurance Group of Companies
California Department of Insurance - License # 0F26894. Copyright © 2008