A renter’s insurance needs are different from a homeowner’s, so it is important to have property insurance. Your landlord’s policy for the building that you live in does not cover your personal possessions. Florida Renters Insurance is an affordable way to make sure that your possessions are adequately taken care of. With proper renters insurance in Florida, it is a small cost to protect a lot.

Florida renters insurance covers your furniture, electronic equipment, jewelry and other personal possessions. A renter’s policy typically protects you against theft, damage from such hazards as fire, lightning, windstorm, hail, explosion, smoke, vandalism, and water damage.

Unintentional bodily injury or property damage that you cause to others could be as financially damaging to you as a fire in your apartment. With renters insurance in Florida, there is also coverage for your liability within this policy. Liability protection against accidental occurrences (such as a visitor slipping on your wet kitchen floor and breaking an arm) comes standard with renter’s insurance in Florida policies. If necessary, a renter’s insurance policy may even pay for your legal defense or include Medical Payments coverage, which pays for medical expenses of nonresidents – people who don’t live at the rental property you’ve insured.

Florida renter’s insurance policies provide ‘named peril’ coverage, meaning that the policy will specifically state what you are insured against, whether it be fire, lightning, theft, smoke, accidental discharge of water, and/or theft, etc.

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