If you are a renter in Florida, the owner of the property in which you live is required to have insurance on the actual dwelling. Your landlord’s property insurance does not cover your personal belongings and other items you have purchased though. In other words, if there is a fire and you lose your clothing, household items, furniture, and appliances that you have purchased, your landlord’s insurance will not pay to replace those items. You will need to obtain renters insurance that will cover those items and more. The insurance agents at the Wurzel Agency in Oviedo, FL have years of experience in dealing with renters insurance and can assist you in obtaining the proper policy for you and your situation.
Coverage Options of Renters Insurance
Personal Property Insurance
There are many coverage options when it comes to renters insurance, including personal property insurance. Personal property insurance will replace your personal belongings if they are damaged or destroyed in some type of events, such as a fire, natural disaster, or vandalism. This part of your policy will also cover your items if your residence is broken into and your items are stolen.
Liability protection can be offered through your renter’s insurance policy which means if someone becomes injured while they’re visiting you, this part of your policy will pay their medical bills for any injuries they sustain and lost wages due to time off work while they are recuperating from their injuries. This is an important policy to have so that if the person decides to sue you, you are covered.
Get a Quote Today
Renters insurance is one of the least expensive insurance policies you can obtain but the peace of mind it provides is priceless. To get your policy started, contact the agents at the Wurzel Agency in Oviedo, FL, and get the protection you deserve!