Renters Insurance in West Palm Beach, FL
When you rent a house or apartment, your landlord’s insurance generally only covers the building itself, not your personal belongings or liability. Renters insurance can help with costs if your belongings are damaged or if you are held responsible for certain accidents.
What Does Renters Insurance Cover?
A typical renters insurance policy may include the following:
- Personal property coverage may cover your belongings, such as furniture, electronics and clothing, if they’re damaged by fire, theft, vandalism or certain natural disasters.
- Liability coverage may help cover legal expenses and damages if someone is injured in your rental or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage may pay for temporary housing and extra costs if your rental becomes uninhabitable due to a covered loss.
Who Can Benefit from This?
Tenants in apartments, condos and rental homes may benefit from having renters insurance. Many landlords now include a renters insurance requirement in their leases. Even when it is optional, a policy can help you handle unexpected losses and reduce out-of-pocket expenses.
What Isn’t Typically Included in this Policy?
Renters insurance may not cover every type of loss. Common exclusions and limits can include:
- Damage from certain events, such as floods or earthquakes
- Normal wear and tear or maintenance-related issues
- Some high-value items, unless you add specific endorsements
Why Choose Global Insurance and Tax Services?
Our team understands the challenges renters may face. We can help explain your coverage options, address your questions and compare them with those from top insurers. Contact Global Insurance and Tax Services today to get a personalized quote or for more information.