Renters Insurance in Hillsborough

If you rent instead of own, and you don’t really need to worry about things like maintenance and landscaping. However, you should know that your landlord’s insurance does not cover your personal belongings. In the event of a theft, your landlord’s insurance would cover repairs to the apartment building, but it won’t do any good for any possessions you lose.

If you rent in Hillsborough, then you should consider talking to us about renter’s insurance. Our expert agents will compare multiple plans from reputable insurance carriers to make sure that you get the policy you need to protect your personal possessions.

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What Can Our Agency Do For Renters in Florida?

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Why Renters Insurance is a Wise Investment in Florida

Renters insurance may not hold the weight of a home insurance policy, but doesn’t mean that it shouldn’t be taken seriously. If it isn’t a requirement for you, there are still plenty of reasons to consider getting renters insurance through Charles D. Talley Jr. Insurance, Inc. The average annual premium you’re going to pay for renters insurance in Florida is quite affordable. Considering the cost vs potential benefit of having this type of insurance, we feel it’s a very wise investment to make.

If you don’t have renters insurance, then you will be paying out of pocket to replace any personal possessions that are damaged during a robbery or some sort of natural disaster. Replacing jewelry or electronics like flat screen TVs and laptops can be very expensive. One other thing to consider is that if you are forced out of your primary residence due to necessary repairs being made, your landlord insurance policy won’t pay for those additional living expenses. We can help you find a renter’s insurance policy in Hillsborough that does.

Apartment in Tampa with good renters insurance policy

Common Questions We Hear From Renters

Is this type of insurance really worth it?
Do I actually need this level of protection when I rent a place?
How can you get me a more affordable rate on my policy?

Our experienced insurance professionals can answer all of these questions and more. As local agents, they’ll be able to fully address your personal coverage needs. Then it’s simply a matter of comparing several competitive quotes and helping you make an informed decision on your policy. Interested in getting more protection as a renter? Contact us today!

What Does Renters Insurance in Florida Cover?

Standard renters insurance in Florida will reimburse the policyholder for the loss or destruction of their personal belongings resulting from a specific set of events (see list on the right).

Interestingly, renters policies can also cover personal belongings that have been damaged during a volcanic eruption or a blizzard. Fortunately, those are two events that you are not going to have to worry about as a renter in Florida.

Explosions
Fire or lightning
Smoke
Windstorms
Civil commotions or riots
Runaway vehicles
Out of control aircraft
Theft
Vandalism or other behaviors with malicious intent
Falling objects
Water damage from a plumbing problem
Malfunctioning hot water heating system, air conditioning unit or automatic fire-protection system
Damage caused by an artificially generated electrical current

Water damage not going to be covered by renters insurance in Florida

What Isn’t Covered By Renters Insurance in Florida?

An important factor to note is that renters insurance does not cover for damage caused by flooding in Florida. If your personal belongings are damaged or destroyed as a result of surge flooding from a then you may be forced to pay for these repairs on your own. So what should you do? You may be able to add flood insurance coverage to your renters insurance policy directly. Otherwise, Flood insurance is available under a separate policy that can be obtained from the National Flood Insurance Program. If you have questions about this, then please give us a call at (813) 685-9393.

Renters Insurance Is For More Than Just Your Possessions

When it comes to renters insurance, most people think about it in terms of extra protection for their personal belongings. But a renter’s insurance policy in Hillsborough can provide additional protections that could be extremely beneficial.

Liability Insurance for Renters

If you have someone over who gets injured on the premises, you could be faced with a significant lawsuit. This is why a renter’s insurance policy includes liability coverage – to protect you in the event like this. To be specific, this form of liability insurance would protect a renter against lawsuits resulting from bodily injury or property damage. It would also cover damages that you or your family have accidentally inflicted against others.

If you own a pet, then you should ask your insurance agent about liability insurance on your renters policy. This would typically protect you in the event that a pet bites a visitor or neighbor either on or off the premises.

Additional Living Expenses

This is the form of coverage that will be used to pay for additional living expenses incurred if you are forced out of your residence due to damages from a covered disaster or event. This would include meals eating out at restaurants and hotel bills.

Do You Need Renters Insurance in Hillsborough?

Depending on where you live, you may have already been required to purchase renters insurance before you signed your lease. That being said, this is a decision that is left up to many renters in Hillsborough.

If you are faced with this option, then we recommend that you ask yourself whether you could easily afford to replace all of your personal possessions if they were lost, damaged or destroyed. This isn’t a situation that many people like to really consider definitely if they’re trying to save money, but it’s something that we urge you to think about. Overall, renters insurance is a wise investment in Florida.

If you’re on the fence, this would be a perfect time to contact our Independent Insurance Agency. We have been helping families in Hillsborough save money on renters insurance policies for more than 35 years. Our expert agents can help you find a great policy at an unbelievably affordable rate. Please call us today at (813) 685-9393 or complete our online form for a free insurance quote.