Renters insurance will protect you and your valuables.
If you rent a home or apartment, your landlord is only responsible to cover the cost in damage and repairs for the building should a fire or another disaster occur. Renters insurance is designed to provide coverage for tenants who do not have any insurable interest in the dwelling or other structures. Below is a list of some of the coverage available to you through OS Insurance Services:
Personal property owned or used by any insured is covered for any damage arising from Fire, Ligntning, Windstorm, Hail, Explosion, Riot, Aircraft, Smoke, Vandalism, Theft, Falling objects, Collapse, Accidental discharge or overflow of water or steam and Breakage of glass.
Loss of Use
Should you suffer a covered loss and need to live elsewhere while damage is being repaired “Loss of Use” coverage pays for your additional living expenses, meaning any necessary increase in living expenses you incur so that your household can maintain its normal standard of living.
A claim is made or a suit is brought against any insured for damages because of a bodily injury or property damage caused by an occurrence.
Medical Payments to Others
Medical expenses means reasonable charges for medical, surgical, X-Ray, dental ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents but only to those who are on the insured’s location with their permission.
Get The Right Policy
We are here to help. You're just a click away from taking the stress and trouble out of choosing the right insurance policy.
We Can Help
We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.
We give you multiple ways to save money when you choose more than one insurance policy.
24/7 Claims Hotline
Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.
Don't Just Take Our Word For It
See what our customers are saying about us.
“I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional. I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable."
Business Owner and Photographer
“I have been with OS Insurance for three years, both auto and home. They had the best price I could find and their service has been blue ribbon. I have two teenage drivers and need all the help I can get... Jeff and Luke are the best. I highly recommend OS Insurance Services. "
“I have been with OS Insurance Services for years and they are awesome. Jeff and Luke make insurance easy. I was originally with State Farm and OS Insurance not only saved me 30% on my insurance package but also gave me BETTER COVERAGE! They have also helped me with my Window/Door Company and have helped me save money there! I have recommended several of my family members and would recommend Luke and Jeff to anyone who needs help with any of their insurance needs."
Window and Door Sales
“After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better ... a great alternative is working with OS Insurance Service."
Thousand Oaks Resident
“Finding OS Insurance Services was like a dream come true because the California Fair Plan is not so fair."
Upper Ojai Resident
“The service provided by Jeff and Luke was professional, easy, and we are so pleased to see the difference in our premium cost."
Jane and Tom T.