Many people here on the Crystal Coast opt to rent their homes, as it is a popular place to vacation and spend the summers. However, inconveniences and disturbances can still occur within a rented home. Today, we want to discuss what renter’s insurance covers how it can help protect you in the unfortunate event of an emergency.

First off, renter’s insurance covers the cost of replacing personal property and liability for injuries sustained in the home. It covers certain types of weather, fire/smoke damage, electrical surges, water damage from appliance/plumbing issues, theft/vandalism, falling objects, vehicles, airplanes, injuries that others sustain within your home. However, it does not cover floods (due to natural causes), damages from earthquakes, intentional damage/injury, or vermin infestation. To be safe, you will want to discuss specific issues with your agent to avoid miscommunication.

Some property that is covered under renter’s insurance is clothes, electronics, furniture/appliances, decorations and sports equipment. Some items that may be subject to additional coverage are musical equipment, art, gift cards/checks, jewelry, firearms, collectables and money. For an inexpensive monthly premium, you are able to protect your rented home.

If you are in the market to rent, be sure to talk to Chalk and Gibbs about the importance of renter’s insurance. Many people overlook the value of having this protection, and only think about it when it’s too late. Give us a call or drop by our office to discuss your next steps with renter’s insurance and how we can help you streamline the process!

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