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1880 NE 163rd St
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Does renters insurance cover accidental damage of my personal belongings?

Renters insurance, also known as tenant insurance is a type of property insurance that helps protect you from financial losses in the event of a fire, vandalism, burglary, and other perils. It is almost impossible to control some accidents such as theft or injuries on visitors in your Miami Beach, FL home. That’s why Assure-Us is here to help you find the best renters insurance policy that meets your needs.

Are personal belongings covered?

Absolutely! Since you are living in a rented home, your aim typically revolves around protecting your valuables. Your landlord may have already bought coverage to protect the building including the walls, floor-ceiling, fence, and gate. Renter’s insurance is generally made up of three primary coverages they include:

  • Personal property: covers your property if they are damaged or stolen up to the maximum coverage limits
  • Liability: Protects you if you cause injury or damage to someone’s property. 
  • Loss of use: Compensates you for extra living expenses incurred if your home becomes unlivable

Is it possible to upgrade renters’ insurance?

Different insurance providers offer additional endorsements to your policy to add coverage to valuable items like jewelry and fine art collection. Some insurance providers also allow you to add coverages for perils that are not initially covered in your renter’s insurance such as earthquakes and floods.

Accidental damage to personal belongings

Renters insurance covers accidental damages where no one is at fault. For instance, If your possessions were damaged in an accidental fire in the house, renters insurance can help replace and repair the damaged items. However, if your child decides to break things in the house out of rage, then renter’s insurance cannot cover the damages. In fact, damages done by you or your family members are not covered under the renter’s insurance policy. 

Are you looking to buy renters insurance around Miami Beach, FL? Let Assure-Us help you find value for your money. We are all about helping you find a policy that fits your needs, style, and preference. Contact us today!

Our Insurance Partners

  • Ascendent
  • Atlantic
  • Bristol
  • Capitol
  • Federated National Insurance
  • Fidelity
  • Florida Peninsula
  • Gainsco
  • GMAC National General
  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
  • Olympus
  • Progressive
  • Safe Point
  • Southern Oak
  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven