You need Insurance whether you rent or Own

by | Dec 1, 2014 | Insurance

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The home owners insurance St. Augustine needs will protect you in case of fire, theft and other issues. However if you rent who will protect you? Although the structure will be protected by your landlord your belongings will not. It is very important to have rental insurance in order to protect yourself so your belongings will be replaced.

Break-ins can happen in any neighborhood at any time. You could be at work, away on vacation or even out walking the dog and you could be the victim of a break-in. The problem with a break-in is you have no way of proving what valuables you have and what has been stolen. With insurance you can take pictures and keep them on record so you can prove you did in fact have a 52” flat screen television or a pair of diamond stud earrings. As well it is possible with many break-ins that the thieves will not be satisfied with stealing. Many people will break-in to your home and cause terrible damage and vandalism, spray painting belongings, shredding clothes and even dumping food or other unpleasant items over your furniture, carpets, etc.

In the case of fire you are likely to lose everything. Without rental insurance you will be lost. You will have to replace everything at your own cost unless for some reason the landlord is found at fault due to going against code. Fire is one of the most devastating tragedies that can happen in your life. Insurance will find you temporary lodgings as well as provide you with the money you will need to buy the basics such as clothes, food and personal hygiene items lost in the fire.

Even Home Insurance In St. Augustine Area does not cover floods. Flood insurance is a very specific insurance and without it your home will not be protected. Many people do not realize that about a fourth of floods occur in areas with mild to moderate chance of flood and should therefore be something all home owners and renters might want to consider.

Whether you rent or own your home it is important to speak to an insurance company to find out what options are available for you.

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