Renters Insurance | Hurricane season will be here before you know it - June 1, to be exact. Yep, it’s time for Floridians to start getting their homes – and themselves – ready for whatever Mother Nature may bring this year. As a renter, you may think this topic doesn’t apply to you, but it definitely does!
While you may not own the house or apartment you currently reside in, you likely have valuable items in your rental. Imagine having to replace ALL of your belongings at one time if you suffered a major loss – and while hurricanes are pretty seasonal, keep in mind that fires or tornadoes, which are incredibly destructive events, as well, can occur any time of year.
There are plenty of measures you can take to protect your home as a renter:
1. PURCHASE RENTERS INSURANCE
Your landlord’s homeowners’ policy does not protect your possessions in the event of a disaster. You can purchase a renters policy at relatively low monthly costs that will cover your valuables, electronics, furniture, and more if they are damaged. Make sure to carefully review your policy and understand your deductible and limits before you ever need to file a claim.
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2. DOCUMENT YOUR POSSESSIONS
It’s a good idea to take the time to create a master list of the items in your home. Take photos and write down a rough estimate of what each item is worth, as well as model numbers and manufacturer’s names. If you file a claim, you will need to document any losses. Supplying before and after photos is a great way to make sure that all of your belongings are accounted for after a covered loss.
3. MAKE A PLAN
If your home is affected by a hurricane advisory, you should have a plan that you can put into action quickly. In the event of an evacuation, it’s good to have all of your important documents together in a waterproof container. Create an emergency supply kit – and don’t forget to add medicine, glasses, device chargers and other essentials. Discuss your evacuation plan with all family members and designate responsibilities should you have to put your plan in action. Keep your furry friends in mind as you prepare.
You can also register to receive notifications from AlertFlorida, a statewide emergency notification Initiative sponsored by the Florida Division of Emergency, to keep you in the loop about any weather alerts and other safety notifications in your area.
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4. PROTECT YOUR OUTDOOR ITEMS
Spend some time clearing and designating a space to store and protect any outdoor items that could be damaged during a storm. Have enough space to accommodate outdoor furniture, planters, grills, etc. And if your apartment is on a higher floor, find out if there is a location on a lower level of the building where you could ride out the storm, if you are unable to evacuate.
5. ASSESS YOUR HOME
Check windows and doors for potential leak areas. Inspect the property for dead branches or trees that could become projectiles in a wind event. Look for pooling areas and be aware of potential flooding around your entry/exit areas. Talk to your landlord about repairing any areas that need attention.
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Get a renters insurance quote today. They are free and easy and can help you make a more informed decision. Visit American Integrity Insurance for a free, no obligation renters insurance quote in Florida.
American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.
We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.