949-346-5958

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 Harbor West Insurance Agency, Inc., 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 Harbor West Insurance Agency, Inc. are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Harbor West Insurance Agency, Inc.

25330 Marguerite Pkwy, STE B

Mission Viejo, CA 92692

Main office: 949-346-5958
Fax: 949-768-0543

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

I googled this company as I wanted to spend my money locally. I got ahold of Rick Keye about some business insurance I needed. He was very helpful in getting my needs met. Rick even came out to my home to have me sign the papers to get it all started. Rick is very professional and has my business from now on. I recommend Rick Keye at Harbor West Insurance Agency to fulfill all your insurance needs. I rate this company as excellent.
Randy Branson
This is Gregg Kell in Lake Arrowhead, CA - a happy auto insurance client of Harbor West Insurance Agency for about 5 years. The personal customer service, quick follow up and professionalism of the staff is great. Particular kudos to Dianne Baldwin who operates with empathy and integrity. I recommend the Harbor West Insurance Agency to individuals and families looking for a competitively priced personal full service insurance agency.
Gregg Kell
For over 10 years I have been getting my insurance through Steve & he has always provided excellent service. I have also referred several friends who are very happy customers too! Great service & a really nice guy!
Colleen Timney
Hi Jay, Thanks for your help last week. Traveler's has been great to work with. They issued a claim right away and are very efficient. The adjuster came by Monday and yesterday I dropped off my car for repair. So far the process has been very smooth. The body shop arranged for a Hertz rental car and I'll pick up my car next week. Thanks again. Hope your foot is feeling better and I'll see you soon, Robin
Robin Clow
Steve, I wanted you to know how well Mercury handled my recent claim. They were efficient, returned calls quickly and really could not have been any better. The adjuster, Sean Bowley, not only did his job well but was kind and very helpful in the process. I have to say he is a real credit to Mercury and certainly has to be one of their outstanding employees. I feel confident having Mercury as my insurance carrier for both my home & car. Thank you. Renee
Renee Clinkunbroomer