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Why Buy Renter's Insurance in Florida

Many people mistakenly believe that because they do not own a Florida home, that they do not need property insurance. That is far from the truth, however. Having renter's insurance protects the individual from almost as many disasters as regular homeowner's insurance.

Living through Florida's climate means that an individual could be subject to wildfires, hurricanes, and excessive wind and rain. While renters may not need property insurance for structures, they still own property inside of the buildings and that property may be damaged.

People have thousands of dollars worth of property in their homes from televisions, furniture, instruments, and art. Protecting your personal possessions is important.

Attorney for Renters Insurance in Sarasota, FL

If you or someone you know has property that has been damaged by bad Florida weather or that has been subject to theft or vandalism, and your insurance company has denied or undervalued your claim, then speaking with an experienced insurance attorney is crucial.

Going through the trouble of actually purchasing renter's insurance means that you care about your property. Subject to an agreement with an insurance company, you deserve to be compensated when your property has been damaged by covered activity.

Contact an experienced property insurance attorney in Sarasota, FL, if you believe your claim has been denied, in bad faith, by your insurance company.

Germain Law Group represents clients throughout the North Port-Sarasota-Bradenton Metropolitan area in the surrounding areas of DeSota County, Manatee County, and Charlotte County.

Call (941) 316-0333 for more information about how one of our experienced insurance attorneys can help you.

Renters Insurance in Florida

Florida Statutes § 624.604 provides for property insurance to cover all real and personal property, regardless if the property is on land, in the water or in the air. Property insurance also includes renter’s insurance, and it covers your personal belongings along with liability coverage for anyone who has been injured in your rental unit.

An insurance company typically provides a tenant’s/cooperative owner’s (HO-4) policy to individuals who want renter’s insurance. An Ho-4 Policy cover damage to any contents inside the tenant’s home and provides personal liability insurance to the policyholder for any injuries that incur in the rental home.

Most renter insurance policyholders are required to pay a deductible on their policy for any damages to their property before their insurer will cover payment of the damages. It is important to examine your policy to determine what is covered, and if there are any provisions excluding types of property, or if you have specific coverage on unique or valuable items.

Types of Property Insurance in Sarasota, Florida

There are four (4) primary types of renter's insurance coverage that you can purchase in Sarasota, Florida. Typical renters insurance plans include the following:

  • Coverage C – coverage for your personal belongings and your guests' belongings when you are renting. Coverage C has policy limits for special items such as art collections and computers. Coverage limits range from approximately $15,000 - $100,000.
  • Coverage D – applies when the property you rent is no longer habitable due to a loss. The loss must be covered under your policy. Coverage D provides the insured with additional living expenses for alternate housing while your rental unit is being repaired.
  • Coverage E – protects you in case someone files a lawsuit against you claiming that you caused them some harm, or that they were harmed by personal property that you own.
  • Coverage F – provides medical coverage for those who are injured on your property.

Filing a Renter's Insurance Claim

If your property was damaged by a natural disaster or it was stolen, it is important to contact an experienced property insurance lawyer in Sarasota, FL, to ensure that you only give required and necessary information to your insurance carrier.

Once you hire an attorney, then the attorney can help you file a claim with your insurance company. If you have already filed, then inform your insurance provider that you have legal representation. It is important to timely file your claim because any delay could ultimately result in a denial of your claim. If you delay in filing your claim and attempt to file outside of the statute of limitations period provided in Florida, then your claim for damages could also be denied.

A statute of limitations (SOL) is the maximum amount of time allowed for an individual to file a claim for damages in Florida. It is also important to request all correspondence with your insurance company in writing.

Find an Attorney for Renter's Insurance in Sarasota County, FL

If your property has been damaged in a home, condominium, or apartment that you do not own, and your claim to your renter's insurance company was denied, then speak with an experienced insurance defense attorney about your claim.

If your property was damaged by a covered activity and was within the limits of the policy, then your claim could have been denied in bad faith. In this situation, it is important to contact an experienced property insurance attorney.

Germain Law Group represents clients throughout the North Port-Sarasota-Bradenton Metropolitan area in the surrounding areas of DeSota County, Manatee County, and Charlotte County.

Call (941) 316-0333 for more information about how one of our experienced insurance attorneys can help you. 

This Article Was Last Updated on Tuesday, May 9, 2017. 

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Meet Our Attorney

Michael B. Germain

Michael B. Germain

Michael B. Germain is the founder of the Germain Law Group. For over a decade, Michael has been involved in litigating insurance claims and complex commercial matters.

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