AFFORDABLE Renters Insurance QUOTES
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Affordable Renters Insurance to protect your Most Treasured Possessions!
Protect the things you care about most inside your four walls and beyond. Whether you live in an apartment, townhouse or house, renters insurance coverage helps you recover from damage or theft. You have a lot of things that are important to you, we are here to help you protect them.
A Florida renters insurance policy can cover your personal property against theft or damage, even if you are away from your home and it can also protect you against certain bodily injury and property damage claims for which you are legally liable for. Legal defense may also be provided in the event you are sued after a covered loss, subject to the limits you have selected.
Our independent insurance agents are here to help you feel confident that your belongings are not at risk in the event of theft or damage. We represent top rated carriers in Florida so we are confident we can find you the best policy coverages at the best rates. Let us work for you!
WHY CHOOSE AN INDEPENDENT INSURANCE AGENT?
John Galt Insurance is a Florida Independent Insurance Agency which means you have the power to choose! Most importantly, you get the benefits from making smart choices when it comes to the coverages you need to fully protect your most valuable items. That’s why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, We work for you and not the insurance carriers.
With our network of top rated Insurance Carriers in Florida and our knowledge and expertise in Florida Renters Insurance, you can rest assured we can take care of all your insurance needs.
WHAT DOES RENTERS INSURANCE COVER?
A Florida renters insurance policy will typically cover the following items:
Electronics
Appliances
Clothing
Furniture
Property Damage
Get the most of your Renters Insurance Policy
Renters insurance can even offer coverage for legal expenses and medical bills in the event someone is injured on your property. If you have certain items that are not covered but you would like them to be, we can customize your policy to add additional coverages. For Example: Jewelry, often requires specialty coverage.
At low cost rates, you can add on additional coverages to your Renters Insurance policy – at limits that fit your needs.
Full Value Coverage
Full value coverage on your personal property ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Medical Payment Coverage
Medical payments coverage helps to pay for medical expenses incurred by one of your guests who is injured at your residence regardless of fault.
RENTERS INSURANCE QUOTES MADE EASY
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You have questions, we have answers.
FREQUENTLY ASKED QUESTIONS
A Florida Renters Insurance policy may cover you in the following situations:
- Water damages your apartment and you’re forced to live in an hotel while repairs are being made. Loss of use coverage may pay for your increase of necessary living expenses.
- In a burglary to your home, your furniture, clothing, and electronics are stolen. Personal property coverage may pay to replace these stolen items .
- A visitor is injured on your property and you’re legally liable. Liability coverage may pay for their medical expenses.
These coverages are up to the limits of your policy and minus any deductible.
If there was a fire to your apartment building or sudden water damage from a burst pipe, what would happen to your furniture, clothing or electronics? What if a burglar broke into your apartment and took you all belongings? Or if a guest of yours slipped in your kitchen or your dog damaged your guest’s property while they were visiting you? This is where renters insurance can really help you.
To understand renters insurance policies, it’s important to get familiar with three key elements:
- Premium – The Premium is what you pay for coverage for Renters Insurance.
- Deductible – Your deductible is how much you’re responsible for paying out-of-pocket before your insurance starts to cover the costs of a covered claim.
- Limit – A policy limit is the most your insurer will pay for a covered claim as specified in your insurance policy.
Typically, a renters insurance policy won’t cover damage due to flooding. Although, your personal belongings may be covered if the water damage is sudden and accidental and not due to flooding – like when a pipe bursts.
The amount of coverage needed varies person to person but coverage primarily depends on these two factors:
- How much personal property do you have? It’s important to take a home inventory to help you determine the combined worth of all your possessions.
- What is your net worth? If you’re found to be legally liable for someone else’s injuries or property damage, you will need at least enough personal liability coverage to cover what you have to lose.
Renters Insurance is not required by law, however, your landlord may require you to have to obtain it as a condition to your lease. This helps them avoid disputes and financial obligations for damages to your personal property. Even if Renters Insurance is not required, this is something every renter should have.
Renters insurance is actually very affordable. The exact cost will vary depending on specific factors.
Some factors that may impact your renters insurance rates include:
- Age
- Property location
- When the building was built
- Safety features
- Amount of coverage
- Rental history
- Claims history
- Value of possessions