If your rent your apartment then you need renters insurance to
make sure you are properly covered. Because if you come home to
find it wrecked, your landlord won't pick up the bill.
What if your apartment floods from leaky pipework? Or one of your
appliances short-circuits and causes damage to your furniture? Then
who picks up the bill?
Your natural reaction might be to think that
your landlord will. But actually this isn't neccessarily the case,
and increasingly landlords are stipulating that you need renters
insurance before they will even allow you to rent their property!
Renters insurance covers your personal possessions
such as furniture, computer, clothing, stereo, paintings and other
items that are not covered by your landlords insurance.
the pipework for example if your pipes leak may be covered and
fixed by the landlords insurance, but that is not going to do you
any good when you have to pay for the new furniture that the flood
This is where renters insurance can help,
because it will enable you to cover your possessions against for
example fire, wind damage, lightning, theft, vandalism and water
damage caused by leaky pipework. Also it can cover you against claims
for damages against you by people injured in your home.
for example if someone hurts themselves by falling over a chair
in your apartment, then the renters insurance may pay for your
legal costs to defend yourself if you were taken to court. A scenario
that is becoming much more common in our litigious society, and
hence well worth thinking about. Could you afford the costs to
The bottom line is that renters insurance
is really about securing peace of mind for yourself through personal
liability cover, and protection for your possessions. The landlord
is covered for damage to his property after all. Doesn't it make
sense to be covered for damage to yours?
Insurance and Renters Rights Information
Insurance - A Guide to Your Options
Florida residents may be required by their landlords to carry
renters insurance. This is because 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.
How to Get Free Renters Insurance Quotes
One of the best ways to get a great renter insurance policy that
fits your personal and unique needs is to shop around different
companies and see what they have to offer.