Every renter should have renters insurance. Renters insurance protects the renter from incurring a financial loss from a number of disasters. Because Port Charlotte borders water, renters should ensure they have the right protection.
Renters insurance will protect your home, valuables, and liability if an injury happens at the apartment. For Port Charlotte residents, it’s important to know what your policy covers and if you need additional coverage. Renters insurance will usually cover things like:
- Personal Property– Personal property will cover things like your furniture, clothing, and anything that belongs inside your home.
- Renters liability– This protects renters from lawsuits claiming injury or damage at the rental property.
- Additional living expenses– If the renter relocates due to damage to the property, this coverage will compensate the renter in regard to finances.
Renters insurance does not cover:
- Pest control
Although renters insurance does not typically cover these items, additional coverage can be purchased. One of the great things about having an insurance policy is the ability to customize your plan. If you are renting a home that might be more at risk, you can have your policy reflect that.
Port Charlotte residents might need additional coverage because of the city location. Florida is hurricane friendly and cities that border the coast are subject to damage caused by massive storms. Renters should not undervalue the cost of their belongings or the likelihood of incurring a lawsuit.
As a renter, you should go through each of your belongings and ask yourself the monetary cost you put on each item. Renters could think of this evaluation as a game of “The Price is Right”. Ask yourself the value of your clothing, furniture, gaming systems, etc…Just because you are renting does not mean that your home or valuables are less likely to need protection.
Because having insurance is so important to protect the value you have built, you will need to speak with a well- informed agent to get started on the right policy for you. At American Insurance Brokers we pride ourselves on bringing you the best quality customer service and coverage. Click here for a free quote.