Most Florida landlords now require it. It also replaces your things and defends you if someone gets hurt in your unit — for around fifteen dollars a month.
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Furniture, electronics, clothes, bike. Replacement cost, not what a used sofa is worth today.
If a guest is injured in your unit, or your overflowing tub damages the apartment below.
A fire next door can make your unit unlivable. This pays for a hotel and meals while it is repaired.
We send the certificate straight to your leasing office, usually the same day.
Your landlord insures the building. Click a hotspot to see what covers you.
Belongings such as electronics, furniture, clothing and daily essentials can be lost quickly in a fire, theft or water event.
Personal property coverage helps replace covered items after a loss. Replacement cost, rather than actual cash value, is the setting that matters here.
The most common claim in a Florida building comes from the unit above yours — a supply line, a water heater, an overflowing tub.
Your renters policy covers your damaged belongings, and your liability if the water started in your unit and reached your neighbor's.
A guest injury, a kitchen fire, or accidental damage to another unit can create a claim far larger than the value of your belongings.
Personal liability answers covered claims made against you, including damage you cause to the building you rent.
Jewelry, collectibles, cameras and specialty electronics may be worth far more than the standard sub-limit on a policy.
Scheduling those items raises their limit and usually removes the deductible on them, for a few dollars a month.
If a covered loss makes the apartment temporarily unlivable, hotel and meal costs start immediately, and the lease keeps running.
Additional living expense coverage pays those extra costs while the unit is repaired.
The same questions a licensed agent would ask on the phone — in the order that gets you an accurate number instead of a teaser rate.
…and a few more. Average time: under two minutes.
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