Renters Insurance Lakeland FL
Your landlord's coverage doesn't cover your property. If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under your landlords policies.
Renters insurance covers your possessions against losses from fire, smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
Renters insurance does not cover floods, earthquakes or routine wear and tear. You may want to consider separate policies for flood damage and other disasters.
What else does Renters Insurance cover?
If you are forced out of your home because of a disaster such as a fire, your additional living expenses are covered. Reasonable additional costs for temporarily living away from your home; hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being repaired or rebuilt. The amount of coverage for additional living expenses differs from policy to policy.
Renters insurance also covers your financial responsibility if other people injured at your home by you, a family member or your pet and pays legal defense costs if you are taken to court.
EBD - your Lakeland FL Renters Insurance agent - will explain your coverage and
Decide How Much Insurance You Need
Think about the cost of replacing everything you would want to replace if it were damaged or stolen. Creating an inventory will make filing a claim easier. For an inventory, record model numbers, dates and places of purchase. Taking photographs or making a video is very useful but remember to place a copy of your inventory, photos and videos in safe place away form your home.