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Renters insurance

Jacksonville, Florida
Look no further than Shapiro Insurance Group for all of your rental insurance needs. If someone is injured while visiting your rented dwelling, apartment or townhome, Jacksonville renters insurance can prevent you from having to pay for damages and injuries as an out-of-pocket expense.
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Need renters insurance for a Jacksonville dwelling?

basic renter’s insurance in Florida will cover your personal belongings against damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm, water damage and other perils as named in the policy.

Some hazards such as earthquakes, floods and hurricanes may require purchasing a special rider to extend your basic coverage. Generally speaking, rental insurance coverage is a small price to pay for the peace of mind of knowing that you and your family are fully protected.

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Coverage Explained

Purchasing Affordable Rental Insurance in Florida

If you are a renter, it is important to have insurance coverage to protect your computer, clothes, TVs, furniture, electronics and other personal belongings. Before you purchase renters insurance, take the time to compile a complete inventory with a photo log of the personal belongings you intend to be protected by the coverage such as:

  • List Items by Brand/Make/Model/Year
  • Note Which Room Each Item is Located
  • Keep Receipts or Denote Purchase Price
  • Establish a Replacement Value for Unique Items
  • Include Appliances & Musical Instruments
  • Keep Inventory List & Photos Offsite

When a disaster strikes, the landlord of property owner’s rental insurance will cover damages to their building but not for private property contained in your rented space.

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What does home insurance cover?
Home insurance typically provides coverage for damage to your home and personal property due to specific perils such as fire, theft, vandalism, and natural disasters like storms and hail. It generally includes four types of coverage: dwelling coverage for the physical structure of your home, personal property coverage for your belongings inside the home, liability protection in case someone is injured on your property and you’re found legally responsible, and additional living expenses (ALE) if you’re temporarily unable to live in your home due to a covered loss. Coverage details and exclusions vary by policy, so it’s important to review your policy or speak with your insurance agent to understand what is and isn’t covered.
How much home insurance do I need?
The amount of home insurance you need depends on several factors, including the cost to rebuild your home in the event of a total loss, the value of your personal property, and the level of liability protection you feel comfortable with. To accurately determine the rebuilding cost, consider your home’s size, local construction costs, and any unique features or materials. For personal property, an inventory of your belongings can help assess their value. Liability coverage should be enough to protect your assets in case of a lawsuit. Consulting with an insurance professional can help you figure out the appropriate coverage amounts for your specific situation.
Can I lower my home insurance premiums?
Yes, there are several ways to lower your home insurance premiums. Increasing your deductible (the amount you pay out of pocket before insurance kicks in) can reduce your premium, but make sure you choose a deductible you can afford in the event of a claim. Installing safety devices such as burglar alarms, smoke detectors, and deadbolt locks can also lead to discounts. Additionally, many insurers offer discounts for bundling home and auto insurance or for being claim-free for a certain period. Reviewing your policy annually and comparing quotes from different insurers can ensure you’re getting the best rate for your needs.

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