Renters Insurance Quote Forms
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Renters Insurance Information
For Renters in Miami and Across Florida
Miami-Dade County is the most populous county in Florida, in addition to being home to one of the state’s largest and most expensive real estate markets. If you’re looking for your perfect home, but don’t want the stress and costs that come with ownership, then renting your place might be the solution. Thousands of locals rent, and it’s a great way for you to find the perfect home for you without the risk of a significant financial strain.
Still, by renting, you face liabilities that could become big problems if ever something goes wrong in your home. By having a quality renters insurance policy, you’ll be able to make sure you’re ready for anything. With the help of the committed team at Choice One Insurance, you’ll have no problem putting together the optimized coverage you deserve.
Contact us at (800) 547-0006 or request your free quote online now.
Common Renters Insurance Questions
What Is Renters Insurance?
A renters insurance policy is a lot like homeowners insurance. However, it doesn’t burden you with extra coverage that is only really necessary for property owners as opposed to tenants.
All in all, renters insurance is there to keep you safe in the home. Following unexpected or unavoidable problems in your home, you can file a claim against your renters policy to receive help paying for the necessary recovery costs. In the end, it will significantly reduce your own cost burden for a problem that you could not have expected, but that still puts you in a difficult position.
Why Is Renters Insurance Important?
Renters insurance is important not only for the tenant, but also for the landlord. By paying you a settlement following a problem—fires, severe weather, vandalism, break-ins etc.—in your rental home, your plan enables you to not have to rely on your own financial reserves to pick up the pieces of an accident. That puts you on a much more stable financial footing already.
Additionally, your landlord will likely require you to buy renters insurance as a condition of being able to sign your lease. The fact that you have a policy will free them from certain liability related to your occupancy of their property. Check with your landlord to learn exactly what their renters insurance requirements are.
What Does Renters Insurance Cover?
The average renters insurance policy will include several types of coverage, namely:
- Liability Insurance: Liability coverage applies to cases where the policyholder (the renter) causes harm to a third party. If you are at-fault for someone else’s bodily injuries or property damage, liability insurance can help cover that party’s losses. Coverage can also pay for legal assistance if you get sued because of the accident.
- Contents Insurance: Renters policies typically cover such personally owned items as furniture, clothing or electronics damaged by a variety of hazards, including fire & smoke, wind, hail & lightning, explosions, theft & vandalism, or water damage from burst pipes. So long as the policy covers the incident that damaged the items, you can insure almost any possession.
- Living Expenses Coverage: Sometimes, damaging incidents might make the home temporarily unlivable. While the home undergoes repairs, this coverage can pay for expenses like your hotel or dining bills.
What Does Renters Insurance Cost?
Renters insurance is generally very affordable, even for tenants who need very specific benefits. Still, you shouldn’t ever have to worry about paying too much for a policy that isn’t right for you. That’s why your Choice One Insurance agent will be by your side to help you pinpoint the plan that offers you the most affordability. Plus, any time you need to make a change to your policy, you can rest assured that our commitment to your satisfaction will deliver the results you deserve.
How Much Renters Insurance Should a Landlord Require?
The amount of renters insurance a landlord should require is unique to each situation. Although there typically is no limit to how much insurance is required, it is recommended to require enough to at least cover the house itself, as well as its belongings. To verify how much renters insurance a landlord should be requiring, contact your agent today.
How Do renters Insurance Claims Work?
For your renters insurance to cover a loss or damage, you need to file a claim. Filing a claim involves providing information about the incident to your insurance company. Each claim is different meaning you may need different papers filed or documentation. Once you submit the proper information, your carrier will assess the claim. If your claim is approved, your renters insurance company makes a payment to you, but in many cases this means only after a deductible amount is hit. Your insurance company may also impose maximum amounts of how much they will pay for certain claims, known as limits of liability.
Every claims process is different, so be sure to talk through your process with an agent if you’re unsure of your next steps.
What Renters Insurance Covers Pet Damage?
If your pet causes an injury to someone or damages another’s property, whether it’s inside or outside of your home, this is generally covered under the liability portion of your renters insurance. The two scenarios covered are injury liability and property damage liability. Renters insurance will only cover up to a certain limit. Anything beyond this limit amount is an out-of-pocket cost. To assess your pet’s risk, contact an agent to help you determine if you will need additional coverage.
How Much Renters Insurance Do I Need?
The amount of renters insurance you need is unique to you. Although there typically is no specific amount of insurance required, it is recommended to have enough insurance to cover your belongings within your home as well as the home itself. To verify how much renters insurance you may need, contact your agent today.
What Does Renters Insurance Cost?
Renters insurance is generally very affordable, even for tenants who need very specific benefits. Still, you shouldn’t have to worry about paying too much for a policy that isn’t right for you. That’s why your Choice One Insurance agent will be by your side to help you pinpoint the plan that offers you the most affordability. Plus, any time you need to make a change to your policy, you can rest assured that our commitment to your satisfaction will deliver the results you deserve.