Florida Renters Insurance - A Guide to Your Options  

Florida Renters Insurance - A Guide to Your Options

Florida residents may be required by their landlords to carry renters insurance. This is because Florida Renters Insurance not only protects your belongings and investment in them, it also covers any damage you might do to the apartment or house while renting it. You may even be required to carry a specific amount of coverage on your policy.

Fortunately, renters insurance doesn't just benefit your landlord. When you buy renters insurance in Florida, you'll also be protected from liability damages if someone is hurt in your apartment, and you can replace your belongings if they are destroyed or stolen, even if it happens while you're away from home. Renters insurance, like homeowners insurance, will replace stolen luggage taken on vacation, and some other items, like laptops, that are taken or destroyed outside the rental unit. The danger of storm damage in Florida means that it is vital to make sure that your renters insurance covers water damage to your belongings, as well as the more usual fire, lightning, and smoke damage coverage.

Most people think that renters insurance is too expensive, but it isn't really, especially when you compare it to the cost of replacing your belongings. Generally, renters insurance costs less than two hundred dollars a year, and can be paid month by month if paying a lump sum isn't possible. If a disaster ever happens to your rented Florida home, you'll find that buying renters insurance is only of the smartest decisions you've ever made.

Protection your renters insurance policy offers will probably include damage from fire, lightning, theft, smoke, vandalism, windstorms, and hail. Other options which may be included, or which may be purchasable for additional cost are flood damage, burst water pipe damage, riot damage, aircraft and vehicle damage, frozen pipes, and damage by falling objects. Many packages commonly include liability protection, medical payments to guests who are injured in the apartment, a sudden increase in living expenses due to a loss, and loss of property while traveling. You may also, for a higher premium, be able to buy protection from earthquake damage, and protection for wedding and engagement presents. All coverage, of course, varies by the policy and insurance provider.

Renters insurance is a smart choice for a huge number of reasons. If you're a Florida resident who isn't required by your lease to carry this insurance, you should still consider investigating it. There are many options, meaning that you can easily find the insurance that will fit you and your needs. Since almost all renters insurance costs less than twenty dollars a month, it's also affordable! Ask your insurance agent about the possibility of renters insurance today, and you can breathe a little easier, knowing that your belongings are protected. Don't let anyone tell you that you don't need this kind of coverage. In the event of a fire or burglary, you'll be glad you went ahead and purchased renters insurance.


InsuranceAdvisoryService.com   Site Map - About Us - Contact Us - Terms of Use - Privacy Policy

Copyright © InsuranceAdvisoryService.com. All Rights Reserved.

Types of Insurance  

Classic Car
Long Term Care

State Guides to Insurance
By State


> What To Ask Before Buying Renters Insurance (RI)
Some of the questions you should ask include...
> History of Renters Insurance
Looking at how we have ended up with the RI that we have today...Read More...
> Renters Policy Features
Considering the policy features of renters cover including the best ways to...Read More...
> Which Renter's Cover?
The choice of RI policies is very wide and so choosing a good one means you must...Read More...
> Getting A Cheaper Plan
Getting your possessions covered in a rental property doesn't have to be expensive, providing you...Read More...
> A Guide to Renters Contracts
If you are renting then you should make sure that your rental contract...Read More...
> Renters Insurance MUSTS
Before settling on your final policy it is worth reflecting on these essentials...Read More...
> Business Renters Insurance
If you are in leased rental office space you must still be sure to get cover for...Read More...