Renters Insurance in Florida
Whether you live in a single-family house within Orlando, FL, or prefer renting in an apartment, having the proper protection for your belongings will be an essential part of your renting experience. This means getting renters insurance, with Insurance Warehouses of America being your go-to for this. Below, we explore the types of renter’s coverage available within Florida.
Liability Coverage
Liability coverage protects you when your guests get bodily injury harm or when their property gets damaged during a visit to your home. Examples of incidents that could lead to this include falls and trips, pet bites, and damage to 3rd party electronics. If any of these happen, liability coverage allows you to pay for 3rd party treatment costs and costs for fixing or repairing any tangible possessions. Note that this policy will only prove effective if injuries and damages are accidental rather than intentional acts of harm. If you are also sued for the above claims, this policy will cover your legal fees.
Personal Property Coverage
Personal property coverage will help keep your belongings safe when perils cause unexpected damage. This can include hazards such as fires, hail, theft, or vandalism. Renters’ coverage provides compensation for replacing or fixing your clothing, furniture, or electronics. Unfortunately, high-priced possessions such as fine art and jewelry will not be covered by personal property coverage, resulting in extra insurance.
Additional Living Expenses Coverage
Additional living expenses coverage will kick in when your home becomes uninhabitable due to covered perils. This coverage will compensate you for your accommodation bills, meal expenses, and transportation costs. These will be covered until your home becomes inhabitable, helping you cut out any extra expenses.
To enjoy any of the above coverage features within Florida, make it a point to call Insurance Warehouses of America today. Our Orlando, FL agents will take you through the suitable policies and offer the appropriate advice to keep your possessions safe year-round.
