Renters Insurance in St Petersburg, Florida
If you’re renting in vibrant St Petersburg, whether it’s a downtown loft or a coastal condo, having renters insurance is a smart way to insure what’s yours. While your landlord’s policy is likely to cover the building, it doesn’t extend to your personal property or certain liabilities you might face. That’s where Zirkle Insurance and Financial Services can help.
Why Does Renters Insurance Matter?
Life in Florida comes with plenty of perks, but also certain risks, such as tropical storms, flooding or unexpected property damage. Renters insurance offers a layer of financial coverage to help you recover from losses without draining your savings.
What Are Common Renters Insurance Coverages?
Coverage may vary depending on your policy, but a typical renters insurance plan may include:
- Personal property coverage—This coverage can help cover the cost of repairing or replacing your belongings if they’re damaged or stolen due to a covered event.
- Liability coverage—This may assist if someone is accidentally injured in your home or you’re held responsible for damage to another person’s property.
- Loss of use/additional living expenses—This part of your policy may cover temporary housing, meals and other costs if your rental becomes uninhabitable.
- Optional add-ons—You may have the option to expand coverage for high-value items like jewelry or electronics.
Is Renters Insurance Required in Florida?
Florida law doesn’t require renters insurance, but many landlords do as part of the lease agreement. Even if it’s not mandatory, it’s often an affordable way to gain financial security and peace of mind.
Find Coverage That Fits Your Needs
At Zirkle Insurance and Financial Services, we take time to understand what matters to you. Whether you’re new to renters insurance or updating an existing policy, our team is ready to help you explore your options. Contact us today for a personalized quote.