Having trouble finding renters insurance?

Have an apartment in Sarasota, Bradenton, Venice or the surrounding areas. The average renter's insurance policy is $150 a year. You've worked hard to earn everything you own.  Protect your belongings and lifestyle with affordable renters insurance.

Renter's Insurance

 It is one of the most commonly repeated myths about insurance. Renters don’t need insurance because their landlord’s policy provides coverage for the renters’ property. No, it doesn’t. Further, if someone slips and falls in your apartment or rented home, your landlord’s insurance usually won’t provide any coverage for you if you are sued.

Renters insurance is basically like homeowners coverage without coverage for the structure. Renters insurance provides coverage for your possessions and for liability if someone injured while on your premises sues you. Renters insurance also covers any of your possessions when they are away from your residence, including in your car.

In addition, renter’s policies provide what are called additional living expenses. If some catastrophe covered by the policy -- fire, bursting pipes -- makes the place you are renting uninhabitable, the policy will pay some of the costs you incur to live somewhere else while the residence is being repaired.

The coverage is usually limited to either a specific period of time, say 12 months, or what the insurance company considers a “reasonable length of time.” Also, there is a cap on the amount of additional living expenses the insurer will pay, usually a percentage of the total liability limits.

Rates listed in this chart are for sample purposes only and based upon a monthly premium.

Personal Property Protection Amount with $500 deductibles,
$100,000 in Family Liability and $1000 in Guest Medical protection
is included:

  $25,000                  $13.25
  $35,000                  $16.33
  $45,000                  $19.50
  $55,000                  $22.58
  $65,000                  $24.66
  $75,000                  $27.75

If you live in Sarasota, Bradenton, Venice or the surrounding areas, you can afford renters insurance.  Get protection for your belongings today.