Renters Insurance Boca Raton
People who rent rather than own their homes may think they have little need for insurance to protect themselves and their belongings. Renters insurance (H04 policy) protects personal property in case it is destroyed in a fire, stolen or other damage. It is recommended to also have some liability insurance to protect themselves from being sued by a third party due to negligence, even though they do not own the building or home in which they reside. They may believe they are not responsible if the building burns down or if someone breaks into the building and steals everything inside or if someone is hurt in the apartment, condo or the home they rent. This could not be further from the truth.
If a fire burns down the apartment building in which you are renting a unit, it is true that it is likely the landlord who is on the hook for the loss of the building. However, your landlord’s insurance likely will not cover any losses of your own personal property that was lost in the blaze as the landlord’s tenant. In addition, if someone who was at your rented apartment falls while visiting you, is injured and then has to seek medical treatment for his or her injuries, any insurance carried by your landlord likely will not protect you in the event the injured person sues you in connection with his or her injuries.
Therefore, if you are a renter in Florida, it is imperative that you procure renters insurance not only to protect your personal possessions in the event something occurs to your rental home but also to protect yourself from liability if someone happens to injure him or herself in or on the premises that you rent. The experienced Florida renters insurance agents at The Gordon Agency can assist you in obtaining the best insurance coverage at the most economical price. We work with a variety of different insurance carriers that offer renter’s insurance, and we can obtain the most comprehensive coverage for you at the best price.