Renters Insurance

Renters insurance is crucial for all tenants throughout Florida. Whether you are required to have renters insurance or not, you will want protection for your family and your belongings, no matter where you are.

Nolan Family Insurance has decades of experience matching tenants with reliable and affordable renters insurance policies. We will work closely with you to tailor a policy specifically for your needs as a renter.

What Does Renters Insurance Cover?

A typical renters insurance policy covers three areas: liability, personal belongings and additional living expenses.

Liability

General liability under renters insurance covers bodily injury and property damage someone else may suffer on your rented property. For example, say you have a friend visit and they trip and fall in your bathroom. Renters liability insurance can help pay for their medical bills, along with compensating you for legal expenses in case of a lawsuit. This insurance can also extend to accidents off of the property, including injuries and damages caused by your children or pets.

Personal Belongings

Personal belongings coverage provides compensation if your personal items are lost or damaged due to fire, wind, hail, lightning, smoke, theft or vandalism. This insurance does not cover damage to the actual unit or rented property. Instead, it is designed only to cover your belongings, such as furniture, clothes, or bags. There are additional policy floaters available to cover expensive items such as jewelry, furs, art and electronics.

Additional Living Expenses

Additional living expenses help with the cost of temporarily moving if the rented space is rendered uninhabitable by a disaster. For example, say your apartment is hit heavily by a hurricane and you can no longer live inside until repairs are complete. Additional living expense coverage can pay for temporary shelter, such as hotel payments, food and other resources.

Optional Coverages

You may also want to add coverages to your renters insurance policy such as:

• Flood Insurance
• Umbrella Liability Insurance

Insure with Nolan Family Insurance Today

Don’t hesitate to get insured. Call Nolan Family Insurance at (941) 639-1122 or fill out an online quote form to get started.

Common Renters Insurance Questions

How Much Renters Insurance Do I Need?

Your renters insurance needs depend on the value of the belongings you wish to insure. Calculate the replacement value of your belongings and speak with an insurance agent about how much renters insurance coverage you need today.

Are Tenants Required To Have Renters Insurance?

Most landlords require tenants to carry some form of renters insurance. If you are moving into a new apartment, be sure to ask about their renters insurance requirements.

Is Renters Insurance Required By Law?

Renters insurance is not technically required by law. Landlords are allowed to require insurance for tenants, however. Some states have limits on how much renters insurance landlords can require.

How Much Is Renters Insurance For An Apartment?

The cost of renters insurance depends on your apartment’s location, your credit score, claims history, coverage limits and more. Fill out an online quote form to find out how much you can save on renters insurance today.