Why do I Need Renters insurance in Florida?

What are the consequences of not purchasing renters insurance in Florida? One word : Theft. I’ve known many people in college go through this experience. Not only in college dorms but apartments as well. You leave to go on vacation or for summer break, and come to chaos. The tv is gone, laptops are missing, and all other personal items were stolen. And each person was left to deal with the costs of replacing their items.

Renters coverage does just that. It helps cover you against costs for stolen or damaged personal property items in your rental. Most apartments and landlords out there only purchase coverage for the actual dwelling of the building, which leaves the responsibility of your belongings up to you.

In order to protect your belongings against fire, theft, or other damages, you will need to purchase your own Florida renters insurance policy somewhere like https://floridainsurancequotes.net/renters-insurance/who-has-the-cheapest-renters-insurance-in-florida/.

What else will this policy cover?

A renters policy will cover all of your personal belongings in the event of power surges, water damages, fire, smoke damage, and theft. Keep in mind this type of policy will not cover you against flooding, earthquakes, mudslides, and etc.

You will have a set limit of coverage based on your policy. If you own anything that is very expensive such as an engagement ring you should think about purchasing additional coverage for it. This additional coverage is usually inexpensive to add on to your policy.

Loss of use is also covered according to this site. This means if your rental becomes uninhabitable, this will cover your hotel, food, and other expenses. Liability coverage will provide you coverage for bodily injury and property damage that were caused due to negligence.

Now that you know the importance of Florida renters insurance, why not look into purchasing a policy? The protection provided by this policy is a must have for renters. Protect your belongings today.

Cheap Florida Auto Insurance: 4 Tips for Your Teenage Driver

Nothing strikes fear in the heart of a parent (or the rest of humanity for that matter) than a teenager with a license to drive. After you have shot down the idea of a bright shiny car (and laughed because they thought you’d actually buy them 22 inch rims to boot), you have probably started easing your teenager into the idea of driving on a budget and caring for their own expenses.

If you live in Florida, chances are you have also already been searching for cheap Florida auto insurance at https://floridainsurancequotes.net/auto-insurance/cheapest-car-insurance-florida/. Something that keeps your car legal without you having to take out a second mortgage on the house. However, is that really enough to make sure you don’t have to come out of pocket too much where your kid’s driving is concerned? Read on to find out.

Avoid the Lure of the Drive Thru

There is nothing wrong with grabbing food on the go but if your teen does this daily it can get pricy and fast. Instead teach your teen about keeping items in the car that aren’t perishable, snacks and drinks that are easy to eat on the go without the need to spend money. You’d be surprised at the amount of people who would not be tempted by the golden arches if they had a snack readily available. 

Create a “Start Up” for Your Kid

Cheap Florida auto insurance isn’t the only way to save a buck. There are many great websites and apps right now that allow you to create a start up for just about anything. It is a great way for family and friend, even complete strangers, to donate to a cause. It doesn’t have to be charitable. Many startups are for producing movies for goodness sakes. Grandma and grandpa may want to invest in their grandchild. You can too. Not only does this help out in the long run but it teachers your child to budget and deal with larger sums of money to pay bills. 

Taking the Bus Once a Week

To this your teen will no doubt roll their eyes. I mean after all the whole lure of the car is to pull up in style on your own right? But if your teen takes the bus just once a week, it will save on gas and limit the amount of money being shelled out. And if they are honest – they would much rather spend that gas taking out a date on the weekend. 

Carpooling to Practices

If your teen has practices for sports or another hobby in the evening, carpooling is a great way to save money. Teens can take turns driving to the event. Not only is it for the kids but it also helps to save a few bucks. However, if your teen’s friends are notoriously bad (or better yet horrible) drivers this is a bad idea. It’s better to dish out the dough than to have to worry about little Deena-bad-driver.

No need to worry because Florida Insurance Quotes has you covered to find the cheapest rates online. Just check them out on this website and start saving money today.

South Florida Homeowners Insurance – Why You Need It

South Florida homeowners insurance in most cases, is not a choice, it is a requirement if you are paying a mortgage. However, even if you completely own your home in South Florida, you still want to consider the risk you are taking without the coverage and piece-of-mind that homeowners insurance provides to homeowners. When you weigh the risks against the cost of maintaining South Florida homeowners insurance, you will agree with us that it is better to have it than to be caught without it.

What Does South Florida Homeowners Insurance Cover?

Your south Florida homeowners insurance coverage is going to depend on the policy that you select. For example, a basic policy will simply cover the dwelling. In other words, a basic policy will cover the structure of your house, as well as other structures, like the garage, that is attached to it. According to https://floridainsurancequotes.net/home-insurance/south-florida-homeowners-insurance/, if there is a fire or a severe storm (tornados and hurricanes may or may not be covered), your policy will pay you for the damages. More intricate policies will cover dwellings which are not attached to your home, like a shed, an unattached garage, boundaries, fencing, etc.

Then, there are South Florida homeowners insurance benefits that cover your personal property, whether inside or outside of the home, if damage or loss occurs. A Loss of Use policy, which is another example of a homeowners insurance policy will reimburse you any costs that you incur if your property becomes uninhabitable due to any of the losses that your insurance policy covers. If someone gets hurt or injured on your property and decides to sue you for liability, and you have Personal Liability Insurance, you will be protected and financially covered. Then, if medical payments are involved in the lawsuit because a third party is injured on your property, this type of coverage is also available.

What Is NOT Covered?

You should also be aware of what is not covered by your South Florida homeowners insurance policy. Most insurance policies do not cover water damage that occurs to a home, nor do they cover mold damage, which can be extremely expensive to repair, and the longer they go on untreated, the worse the damage can become. Therefore, if you have water or mold issues in your home, you will want to hurry up and take care of the problem, because you will not be able to count on your South Florida homeowners insurance to reimburse you for any expenses that you incur from water or mold damage to your home.

Read your South Florida homeowners insurance policy carefully when you get the paperwork and ask your insurance agent any questions that you may have. This way, you will fully understand which types of coverage you have and which parts of your home and land will be covered when problems or accidents occur on your property.

Where can I get Homeowners Insurance in South Florida?

With today’s internet, obtaining Homeowners insurance in Florida is easy. Simply visit a website online and get a free quote from every available company or you can visit each individual company and get a quote from each one.