There are beautiful apartments and houses throughout Ponte Vedra Beach, FL. When you make the decision to rent instead of own, you want to make sure you’re doing what you can to protect your belongings. With the help of Palm Valley Insurance Inc., we can ensure you have a renters insurance policy that you can count on.
Why Renters Insurance?
Many people assume that there’s no need to have renter’s insurance because you’re covered by the home insurance of the owner. However, the owner likely has “owner-occupied” coverage which means that they aren’t going to cover what happens when you’re living there. Additionally, apartments may require you to show proof of insurance.
Anything can happen inside of rental – and renter’s insurance covers your personal belongings since the owner’s property insurance will not.
How much coverage?
As you look to cover yourself in Florida, the question becomes how much coverage you actually need. Some landlords may require you to have a policy of $50,000 or more. You will want to consider what you need based on the value of your items. If you have a lot of high-end electronics, jewelry, or artwork, you may need significantly more. Otherwise, you may find that an insurance claim will only provide partial payment of what it will take to replace anything in the event that a disaster strikes.
Work with an Independent Insurance Agent
The process of finding renters insurance can be complicated due to the many factors, such as:
- Deciding on the level of coverage
- Choosing a reputable insurance company
- Comparing quotes
You don’t have to go through the process alone. Independent insurance agents can answer questions, get quotes from top companies, and help you compare quotes to get the most affordable premiums.
When you want to protect your personal property in a rental in Ponte Vedra Beach, FL, call us at Palm Valley Insurance Inc. today.