Why is it Important to Have Renters Insurance in FL?
Life is often defined by the unexpected—especially if you live on rental property. What are your upstairs neighbors doing? What was that loud "BOOM!" from the apartment next door? You can neither control nor predict what your neighbors do next. Neither can you control the weather or mishaps like accidental fires or other kinds of accidents and calamities. And sometimes even the most stringent precautions won’t prevent you from falling victim to theft and/or vandalism.
That’s why having renter's insurance in central Florida is so important to protecting your assets and personal property. Your landlord likely carries some degree of tenant insurance, but this coverage is bare-bones at best and will reimburse you for almost nothing at worst. Without doubt, landlord insurance provides zero reimbursement for your personal stuff (like costly electronic and clothing) or injuries to guests visiting your home, which can leave you venerable financially.
What Does Renters Insurance Cover in the State of Florida?
A solid Florida renters insurance policy will protect all your valuables from damage and theft, pay medical bills if guests are injured in your place, and cover liability expenses if you're caught in a lawsuit. Those funds make it easier to recover and get back to life-as-normal.
A renters insurance policy protects you and your family from fires, wind and hailstorms, lightning strikes, theft, and other unforeseen events, including aircraft and motor-vehicle accidents—even riots. With proper renters coverage, you’ll be reimbursed for losses incurred from an unexpected disaster.
What Does Renters Insurance Not Cover?
Like other insurance policy types, renters insurance also excludes coverage for specific types of events:
- Earthquakes and mudslides
- Natural deterioration and neglect
- Birds, rodents, insects, and domesticated animals