Tenants in the Miami Beach, FL area are not responsible for obtaining renters insurance under the law. Still, it’s an investment against financial loss that many students choose to make while in college. In addition, it is not uncommon for a landlord to compel a renter to purchase a policy.

This is because a landlord’s policy will cover the four walls and the exterior of the building but not your interests. College students living in a dorm typically have expensive belongings, including electronics, such as laptops, tablets, and cell phones, and textbooks that are costly to replace.

These can be damaged if there is a fire, and smoke damage can also wreak havoc. Sprinkler systems activated during a fire can ruin personal effects as well.

Items can be stolen or affected by vandalism, and natural disasters, such as hurricanes, violent storms, or tornadoes, can damage the contents of your home.

Accidents can happen, and this can be the case on any college campus. Any time young people get together while on their own for the first time, they may not realize hazards are apparent until it’s too late. As such, they may be at fault when someone slips and falls or otherwise hurts them in an accident.

This can leave a renter responsible for medical bills or lost wages associated with an injury. In addition, the injured party may sue. Your Assure-Us representative can give you specific ways renters insurance can help in a particular situation.

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Assure-Us provides quality insurance products and services to Miami Beach, FL’s clientele. We look forward to serving you and invite you to contact us online, by phone, or by stopping in the office.

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