If your residence suffers damage, your landlord’s insurance policy will only cover the property itself. For example, if the house you are renting is a total loss in a fire, your landlord will be able to rebuild it but all of your personal belongings will be lost forever unless you have a renters insurance policy to replace them.
Renters insurance policies not only cover the loss of items, such as your clothing, toiletries, and furniture, it will also cover your stove, refrigerator, microwave, and other appliances. If you become the victim of theft and your television and computer are stolen, your renters' insurance policy will cover the items, but your landlord’s property insurance will not.
If you rent an apartment, house, or condominium in the state of Florida, you are not required to obtain a renter’s insurance policy, but it is a good idea. Renters insurance can be one of the least expensive insurance policies you can purchase, and it will keep your belongings safe in the event there is damage to your residence from a common occurrence. This includes if your home suffers damage from a fire, smoke damage, high winds, hurricane, tornado, theft, vandalism, or several other situations.
It is better to be safe than sorry by obtaining a renter’s insurance policy for your peace of mind and to keep the items you work hard to own safe. You need to ensure that your personal belongings are covered no matter what life throws your way and you can do that by obtaining a renters' insurance policy.
To create the best renter’s insurance policy for you and your situation, you will need to enlist the assistance of an experienced insurance agent. The agents at Singh Insurance and Financial Services LLC in Florida have the experience and knowledge to create a policy for you that will keep you and your belongings covered. Call for an appointment today!