Pauma/Valley Insurance understands the value of home. We know that home is more than just a structure; it's where you live your life surrounded by what you love.

It's no secret that San Diego County is one of the most beautiful places to live. For those who are fortunate enough to call it home, you know that it isn't whether you own or rent your residence that makes it your home. It's being surrounded by your personal belongings that makes you feel at home. They may be brand new, family heirlooms, or garage-sale treasures, but most importantly, they're yours, and they greatly contribute to your quality of life. For something so valuable, why would you trust them to chance?

Renting your home, instead of buying, may be based on limited resources, but your personal items are no less valuable when you rent. In fact, they become even more valuable because you may not be able to replace them on your own in the event of their loss or damage.

Many renters assume their belongings are covered by their landlord's insurance; unfortunately, that is not the case, which can place your valuables at risk. However, for just a few dollars a month - the cost of a Renters Insurance policy - you and your belongings can be safely covered.

As Independent Agents, and affiliated with 50 insurance carriers, including Safeco, Mercury, Allstate, Progressive, MetLife, Travelers, The Hartford, and others, we can ensure you always receive the highest level of coverage at the most competitive rates for everything you own.

A few of the standard features of a Renters Insurance policy are:

• Replacement for your stolen or damaged personal possessions
• Protection for your belongings when traveling
• Liability protection if someone is injured while visiting you
• Temporary housing if your building is being rebuilt or repaired under certain circumstances

Additional coverage options include:

• Valuable articles coverage
• Replacement cost protection
• Identity theft recovery

No matter where you live, we are your "hometown" agency. Whether you're renting a country spread, a small apartment or a beach bungalow - wherever you lay your head - with a Renters Insurance policy through Pauma/Valley Insurance, you know you can count on us for peace of mind. Welcome home!