Palm Beach Gardens Renters Insurance Savings Made Easy
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Frequently Asked Questions
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Renters insurance protects against the risk of financial loss in the event of damage or theft of your personal property in a rented home or apartment. It can also protect you from liability if someone happens to be injured on your property.
Renters coverage does not typically cover accidental damage. Renters insurance cover against theft and damage from covered perils. It also provides liability coverage.
In the event the rental property becomes unlivable due to damage from a covered peril, a renters insurance policy will typically cover the cost for this loss of use in the form of paying for other living arrangements, up to the extent of the policy limit.
A typical renters insurance policy provides coverage for personal contents, loss of use, personal liability, medical payments, and theft. Policies may vary depending on the carrier, state and coverages purchased.
Renters insurance covers personal belongings up to a certain limit. For high value items like a diamond ring, it is recommended to purchase a separate jewelry insurance policy to protect against the associated risks.
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If you experience a covered loss, renters insurance will respond to help cover the associated costs up to the limits of the policy.
Actual Cash Value coverage will repay or reimburse you for the value of the items at the time of damage. This cost typically reflects depreciation and is less than the original purchase price. Replacement Cost Value coverage will pay the full amount of the cost it takes to replace or repurchase the lost or damaged items.
Renters insurance is not required or mandatory by state law. It may be a requirement by the landlord or property manager as part of the terms of the tenant's leasing contract.
Renters insurance covers the renters belongings but it does not cover or insure the physical property itself. Property owners should purchase a landlord insurance policy to protect their property from financial loss.
Coverage for Wherever Life Takes You
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