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Tom Ruggirello Renters Insurance Agency in Port St. Lucie, Florida

Why Do I Need Renters Insurance?

All too often, life is defined by the unexpected—especially if you live on rental property. What are your neighbors doing upstairs? What was that loud BANG! from the next-door apartment? You can’t control or predict what neighbors do. Neither can you direct the weather or prevent every possible mishap. Accidental fires or other kinds of accidents and disasters can strike anyone, anytime. And sometimes even the most stringent precautions won’t prevent you from being targeted by vandals and/or thieves.

That’s why renters insurance is critical to protecting your assets. Your landlord probably maintains some type of tenant insurance, but this coverage is bare-bones and will reimburse you for almost nothing—if that. Without doubt, landlord insurance provides zero reimbursement for your personal stuff.

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Your Assets Are Probably Worth More Than You Think

Because you’re a renter and not a homeowner, you might believe you don’t need renters insurance; you simply don’t have sufficient assets—or so you believe. For most people, this simply isn’t true. Unfortunately, many renters simply don’t realize how much they stand to lose. For example, the average tenant owns more than $35,000 worth of personal possessions, most of them kept in the rental unit. And $35,000 is an average. Many tenants own significantly more, others substantially less. And it’s a given that landlord insurance won’t cover any of your personal possessions.

If unexpected disaster destroyed all your stuff, do you have $35,000 in liquid assets to buy replacements? What about $20,000 or $25,000 in cash? How about $50,000 or more in cash?

If your answered no to these hypotheticals, it’s time to buy renters insurance or, maybe, to increase your coverage amounts!


What Does Renters Insurance Cover?

A good renters insurance policy will protect most if not all of your valuables. Proper renters coverage will reimburse you for losses incurred from unexpected disaster. Those monies make it easier to recover and get back to life-as-normal.

A renters insurance policy protects you from fires, wind and hailstorms, lightning, theft, and other unanticipated mishaps, including aircraft and motor-vehicle accidents — even riots.

Are There Any Renters Insurance Exclusions?

Like other insurance policy types, renters insurance also excludes coverage for specific event types:

  • Floods

  • Earthquakes and mudslides

  • Settling

  • Natural deterioration and neglect

  • Natural deterioration and neglect

  • Damage from birds, rodents, insects, and domesticated animals

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Contact Tom Ruggirello Insurance for a Free Renters Insurance Quote

Shield your assets against the unforeseen with renters insurance from Tom Ruggirello Insurance. As an independent Florida insurance agent in Port St. Lucie FL, we offer free, comparative quotes on renters insurance from multiple carriers, meaning you’ll get the best possible rates! No more shopping around; let us be your last-stop shop for insurance comparison shopping!

If you’re ready to see how much Tom Ruggirello can save you on renters insurance, call our agency today at 772-621-9966! For a free online renters insurance quote, fill out the quote form on this page!

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