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Renters Insurance in Los Gatos, CA and Saratoga, 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 LGS 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 LGS 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 Location

LGS Insurance Services

16450 Los Gatos Blvd, Suite 212
Los Gatos, CA 95032
Main office: 408-217-6704
Fax: 866-289-1918

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: Closed
Sun: Closed

Our Providers

Testimonials

We've been with Steve for over 20 years!! Cars, home, life, umbrellas. We've had a few various claims of different sorts and Steve has always been great! Proactive at moving our policies around to make sure we are getting the best rates vs waiting for us to ask. We can't recommend him highly enough.
- Jim L.
LGS - Steve really helped me out when I was in a tough spot. His knowledge, professionalism, and understanding of what I was looking for made a task that seemed overwhelming to be simple and hassle free. I highly recommend him for all of your insurance needs.
- Michelle B.
Very dedicated, efficient and pleasant manner. It is a pleasure to do business with Steven
- Anna L.
Excellent in all respects!
- Jay K.