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1880 NE 163rd St
North Miami Beach, FL 33162

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How Does Renters’ Insurance Work?

Renters’ insurance is a type of coverage that you only get when you are renting your home or a storage facility. This insurance isn’t like homeowners’ policies, as it does not include the building in the coverage. If you are renting a place to live or a place to store your items, you need renters’ insurance. Call us at Assure-Us in Miami Beach, FL to find out more. 

Covering Your Possessions

One of the main parts of renters’ insurance coverage is the coverage of all of your belongings that are inside the insured space. Often this is an apartment, a rented house, a manufactured home, or a condo. However, if you have items that you are storing in a commercial storage locker, that also needs renters’ insurance to cover all of your items inside it. Most storage facilities now require that renters have a renters’ policy on their possessions in the locker. To make sure that your belongings are covered, be sure to document them in photos or video so that you can prove what was inside the rented space. 


When you have renters’ insurance on your home, you also have coverage for liability. This means that accidents or illnesses that happen inside your home to a third party are covered if you are liable for them. This usually includes medical bills and may include lost wages if it was a serious accident or illness. 

Habitable Space

If something were to happen to your home and it became unliveable, your renters’ insurance would pay for you to live elsewhere until the rented home was repaired and back up to code. 

Get Your Renters’ Insurance Policy

If you rent either your home or a storage locker, you need renters’ insurance on it. If you need a policy, call us at Assure-Us in Miami Beach, FL.

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