Florida Insurance Blog

Why Every Renter Needs Renter’s Insurance

If you rent your home, you don’t owe the home, so you may think that renter’s insurance is unnecessary. However, renter’s insurance isn’t about the house itself- it’s about you and your protection. One reason that renters need to have this insurance is that it’s generally required by the landlord or management company. They want you to have protection so that they won’t get sued if a problem affects you. Other reasons that renters need this insurance are the many types of protection these policies give you. To start with your policy, call us at Morgan Insurance Services in Tampa, FL. 

Protection for Your Belongings

Most of what you own is likely in your rental, and these items need financial protection. If a damaging event happened to your home and your items were destroyed, you would have coverage in your renter’s policy to allow you to replace those belongings. It’s so important to have this coverage because of the high cost of replacing items. Every renter should have this essential protection. 

Protection for Your Liability

Another important type of protection you need is liability. This protects you in case someone gets injured in your home. If someone were to fall or have any other accident, you would be liable for its costs. This can include high medical bills, even when the injury isn’t serious. When you have renter’s insurance, it comes with liability coverage to keep you safer from any accidents that could happen to your guests. 

Get Renter’s Insurance Now

If you don’t have renter’s insurance, you don’t have the coverage you need for financial protection. Don’t go even a day without having this essential insurance policy. Call Morgan Insurance Services in Tampa, FL, to get started.