Residents in Oviedo, FL would be wise to look into a renters insurance policy commonly known as the HO-4 policy. Renters insurance gives protection against unforeseen events that may result in a loss of personal belongings because of a fire, water damage, wind damage, and burglary. Karla Salmon Insurance Agency provides renters insurance coverage to Florida residents who are renting houses, apartments, and building spaces.
Renting in a building with other occupants carries its risks. Getting a renters insurance policy gives an assurance that property is always protected even when the owner is not around. There are four types of coverage when it comes to renters insurance. They include:
The coverage provides protection for personal belongings located on or off the property. Property belonging to guests may also be protected by this coverage. However, special items are not protected, and policy owners need to get additional coverage for valuable items. For more information on the details of special items, please contact us.
The occupant gets compensated for all expenses incurred if and when the property becomes uninhabitable due to a covered loss. The policy covers any additional expenses including accommodation, food, and clothing costs incurred while the unit is being renovated.
A person might sue if he or she is injured while on the property. The personal liability coverage protects against any litigation procedures and fees. It also protects against unforeseen situations where accidents occur on the property. Renters get help in covering some of the legal costs when legal proceedings are taken.
People can get injured on the property and may need medical attention. The policy may provide coverage for those who need medical care for injuries sustained on the premises. The policy also extends to those who get injuries due to the policy owners' property, family, and even pets.
Karla Salmon Insurance Agency in Oviedo, FL is the one stop place for getting a renters insurance policy. Visit our offices or call us to discuss the details of a new renters policy and get the protection needed when renting apartments or other units in Florida.