While most people are familiar with the process for purchasing automobile insurance, life insurance, health or dental insurance, and homeowners insurance, there are still some people out there that have never purchased Florida renters insurance and aren’t all that sure about whether or not they should.
Florida renters insurance is absolutely critically important if you do not own the property where you live, as it gives you complete and comprehensive coverage in the event of an emergency situation that could leave you in a sticky place moving forward.
Hopefully this quick guide gives you all of the information you need to determine whether or not you need Florida renters insurance, what that type of insurance will provide, and how you find the best available policies in our great state of Florida.
Can you rent an apartment without Florida renters insurance?
It’s almost impossible to give a universal answer to this question, so it is a very qualified yes that you can rent on apartment without ever carrying Florida renters insurance.
It’s certainly not recommended, but you definitely can do it if you have to.
The reason that this is a qualified answer is that there are some rental apartment complexes or agencies that will refuse to rent an apartment or property to someone that isn’t carrying Florida renters insurance – though you’ll have to investigate this would be particular service or company that you are hoping to rent with.
All in all, the majority of places to rent are available without carrying Florida renters insurance – but as you’ll soon learn, that’s not exactly the smartest way to go about doing things.
What does Florida renters insurance cover?
Florida renters insurance policies are offered in two specific “types” – the first more of a general coverage with the second be more of a liability coverage.
The general coverage is going to protect your personal possessions and property from theft or damage, regardless of how they come to be stolen or damaged – provided that they are in or on the property that you are renting.
The liability coverage, however, is going to protect you from financial troubles stemming from people that are injured while visiting your apartment. As we all know, medical costs (legal costs) can quickly begin to add up into the hundreds of thousands of dollars almost instantly – which is one of the biggest reasons why you’ll want this kind of coverage in your back pocket.
How do I find the best Florida renters insurance?
Finding the best Florida renters insurance isn’t all that difficult, provided that you know where to search.
The Internet (and Google in particular) is going to be your best friend, as a quick search for “Florida renters insurance” will provide you with literally hundreds and hundreds of thousands of results to comb through in a few seconds. Spent 30 or 40 minutes researching this, and you’ll find at least 10 or 15 services in your local area – and nationally – that you can lean on to get this kind of coverage.