If you are renting a home in Florida, it’s important to consider obtaining renters insurance. While a landlord’s insurance may cover the costs of repairs should there be a fire or other natural disaster, this excludes coverage of your personal belongings. Should renters in Florida want to protect their personal property, consider obtaining a renter’s insurance policy with the help of the Windward Insurance Agency. Types of renters’ coverage options include:
- Property Coverage
- Liability Coverage
- Deductible Options
Renters insurance may not be a requirement in the state of Florida, but you should consider renters insurance for some of the following reasons:
Fire and Smoke Damage
A landlord’s insurance may cover parts of the damage caused by fire or smoke, but it won’t cover your furniture and personal property.
Water Damage
Just like fire and smoke damage, a landlord’s coverage may not cover your damaged personal property. Having renters' insurance may help cover damage caused by certain types of water damage.
Theft
Rental properties can be prone to theft, and by having renters' insurance you can get coverage for items stolen from your home.
Liability Protection
Renters insurance can cover the cost of someone's injury in a rental property. It can include coverage for medical payments which can apply to people who don't live in your home.
Temporary Living Expenses
If your rental property is damaged due to a covered loss, some policies include coverage for hotel expenses if you cannot stay in the home.
Helping You Navigate Insurance
In a sea of options, the Windward Insurance Agency can help you find the right insurance coverage for you and your family. We have cultivated relationships with the top carriers in our State who are ready to provide quotes and options to those we represent. Let us help you navigate insurance, start by getting a quote online or call us today at 866-231-2433 for assistance.
