Whether you are renting a condo on the beach in Florida or a house in the suburbs, you will want to obtain a renters insurance policy. Does this mean you are required to do so? No, you are not required to have renters insurance in Florida unless your landlord requires it but it’s still a good idea to obtain a policy. While the home or apartment you are renting is covered by the landlord’s property insurance policy or under your apartment complex company’s policy, that only includes the structure itself and not your personal possessions. To replace items lost if a disaster occurs, including your furniture, household goods, and appliances, you will need your own renter’s insurance policy.

A renters insurance policy will keep your items safe because they will be replaced or repaired if they are damaged or lost due to a burglary or theft, destroyed by a fire or lightning, windstorm, or explosion if smoke damage or glass breakage occurs, or in the event of a hailstorm or flooding due to burst pipes or overflowing bathtubs.

A typical renter’s insurance policy will provide you with personal property protection that will replace your belongings in case of a covered loss. It will also give you liability protection that covers you financially if a guest to your home or apartment is injured and decides to sue you. This type of policy will also pay for the costs that you incur if you have to stay somewhere else while your apartment is uninhabitable after a disaster and it covers medical expenses if a guest is injured in your home or apartment.

Renters insurance policies are extremely affordable so it’s crazy not to be covered. Keep yourself and your possessions covered by obtaining a renters policy that is created specifically for you and your needs by enlisting the assistance of an experienced and trusted insurance agent at Express Insurance in Longwood, FL today!