Renters Insurance in Florida
Benefits of Having Renters Insurance in Florida
Your landlord may require you to have renter’s insurance, but even if he or she doesn’t require it, there are still some benefits. Your landlord’s policy won’t protect your belongings. If the entire home or apartment complex gets destroyed due to a fire, your landlord’s policy won’t do anything to help you out. Renters insurance may also cover your belongings when they aren’t inside the home, such as your bike getting stolen. You also don’t have any liability coverage with your landlord’s policy and lawsuits are common in the state.
What Is Covered with Renters Insurance?
You get a variety of coverage options with renter’s insurance, which all work together. Coverage isn’t necessarily just limited to fire and theft, and many things can be covered. Check with your agent at Seascape Insurance Group Inc. in Apalachicola, FL to make sure you understand your policy. Besides covering your belongings and your liability, your renter's insurance can also include the loss of use if you aren’t able to stay in your apartment or home because of a covered loss. It will help pay for the additional living expenses you have. Liability coverage is essential since you are responsible for any damage you cause to your rented home. If you cause a fire due to your negligence, you could be on the hook.
Things You Should Know about Renters Insurance in Florida
Depending on where you live in the state, you may or may not have wind coverage. Many policies will include wind coverage, but some coastal areas may not. While you may not be concerned about this because you aren’t insuring the damage to the building, you can’t make a claim for personal property on losses that are the result of a windstorm. Depending on your dog's breed, you may be covered under insurance. Certain dog breeds are too high risk, so they are excluded from coverage.
Contact Seascape Insurance Group Inc. in Apalachicola, FL to get a quote on renter's insurance.