\u201cRenters are less likely than homeowners to insure their belongings,\u201d says Dustyn Shroff<\/a>, Vice President of GreatFlorida Insurance<\/a>, Florida\u2019s largest independent renters insurance<\/a> company.<\/p>\n Most landlords in Florida, do not require renters to carry insurance. The Insurance Information Institute<\/a> found only 41 percent of renters said they had renters insurance<\/a>.<\/p>\n \u201cThere is a misconception that the landlord is accountable for personal liability issues, but a landlord\u2019s insurance often covers just the structure, not personal property or personal liability,\u201d says Buck with GreatFlorida Insurance<\/a>, Florida\u2019s top independent renters insurance <\/a>company.<\/p>\n Renters insurance<\/a> offers protection for personal belongings that could be damaged by a fire, water issue or storm. It also includes reimbursement for items stolen from home or lost, as well as incidents that are the renters responsibility.<\/p>\n Also, renters insurance<\/a> will pay out money to replace furniture, clothes, kitchen appliances, electronics, laptop, paddle board, jewelry and more.\u00a0 You do not have to own a lot to justify a renter\u2019s policy. It could be a specific item such as a bike, engagement ring, musical instrument or collection that is the motivation for coverage.<\/p>\n If an injury occurs in a rental property or even the rental property yard or driveway, the renter can be held responsible for the victim\u2019s medical bills. A renters insurance <\/a>policy can also provide money for temporary housing. If a rental property is damaged from fire or water, a renters policy will cover hotel expenses while repairs are made.<\/p>\n Renters insurance<\/a> offers a lot of benefits for a small amount. The average renter\u2019s policy ranges from $15 to $30 a month, offering peace of mind for the price of lunch.<\/p>\n Before purchasing renter\u2019s coverage<\/a>, inquire with your rental company or landlord to see what their policy will cover. Next, take inventory of your possessions and determine a level of protection that makes you feel comfortable. An experienced agent at GreatFlorida Insurance.\u00a0<\/a>\u00a0They can guide you through the process to make sure you purchase enough coverage to protect your belongings without paying for overlapping and unnecessary coverage. Give us a call today.<\/p>\n![\"\"](\"https:\/\/www.greatflorida.com\/blog\/wp-content\/uploads\/2014\/07\/Florida-Renters-Insurance-Costs-200x300.jpg\")
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