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I would like to thank you for your patience and understanding with me when dealing with my Auto and Homeowner policies. With the death of my wife Merrie last year in December, I was at a loss when reading the 2 policy's auto and home, just what was I covered for? And yet on several visits to all of you in the front office, I went home with a good understanding now of my two policies. Now on a number of occasions I did ask a number of you in the front office for help, and each time everything was explained to me in a way I could understand. Here recently I was involved in an auto accident, something I had never been in 60+ years of driving. Once again I came to your office, and once again you did everything you could to help me by preparing a document I had received from the California DNV. That I did not understand. When you are 80+ years of age, most of those friends or family members you had always counted on have passed away, you wake up in the morning and you wonder, "is there anyone that cares?" Yes, and I found them in the Russell and Kaufmann office in Hemet, CA.

Robert J.

Renters Insurance in Hemet, Riverside County and all of CA

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 Russell & Kaufmann Insurance Agents & Brokers, 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 Russell & Kaufmann Insurance Agents & Brokers are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.