If you rent, you need to protect your personal possessions with Florida renters insurance from St. Johns Insurance.
If you rent your home, whether it is an apartment, house, condo, or duplex, you can protect your assets with renters insurance. Florida renters insurance policies protect you in unfortunate situations such as: fire, theft, water damage, and other circumstances beyond your control. St. Johns Insurance will help you determine how extensive your renters insurance policy should be. Our office is located in Ponte Vedra Beach, FL and we write Florida renters insurance policies throughout the state.
Renters insurance is very similar to homeowners insurance; it is simply focused on people who rent their home instead of own it. Even if your landlord or property manager has insurance for your home, that does not mean your assets are covered. Your landlord’s policy covers the property as a whole, but your belongings remain your responsibility. Some landlords will actually require you to carry Florida renters insurance if you are living on their property.
Renters insurance in Florida generally covers:
- Personal Property – like your furniture, electronics, and clothing.
- Personal Liability – in the event that someone is injured.
- Damage to Your Apartment – if the damage is caused by a covered loss.
Renters insurance can help you replace valuables that have been lost or stolen. A renter’s policy provides coverage for your valuables in the event that fire, smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing occurs. Also, if you are forced out of your rented home due to a disaster, additional living expenses you may incur- like hotel bills, temporary rentals, and restaurant meals – are covered by renters insurance. Florida residents can count on St. Johns Insurance for renters insurance solutions.
Florida renters insurance also provides coverage for those who may be injured at your home, or elsewhere, by you, a pet, or a family member. In the event of a law suit, a renter’s policy will also cover your legal defense fees if you end up in court.
There are many options to consider when selecting renters insurance. Florida residents should contact St. Johns Insurance today for more information and a free quote!