Renters Insurance

Home » Renters Insurance
Renters Insurance 2017-04-13T11:38:14+00:00

bigstock-Left-Facing-Red-For-Rent-Real--15750179

Renting an apartment, home or condo in Fort Myers, Cape Coral, Naples or anywhere else in Southwest Florida can present challenges for many people – with the multitude of insurance companies and options – finding an agent that has experience to match you with the correct coverage at a price that fits your budget is key. With over thirty years in the insurance business our agents can put their knowledge to work for you.

Renters Insurance is the perfect choice for people looking to cover property in their apartment or rental home. This type of insurance policy is designed in much the same way as a homeowners policy and covers your possessions for many of the same perils including (but not limited to), windstorm or hail, theft and fire and lighting. It also provides important liability coverages for the rented premises.

While the landlord of your rented home or apartment has insurance for the structure, that policy will not cover your belongings. When calling about a renters insurance policy, it’s important to have a accurate valuation of your personal property. Your electronics, furniture, clothing and art may add up to an amount that may be difficult to absorb in the event of a loss such as a fire. Once you’ve figured out the value of your possessions, you know how much coverage you’ll need.

We’d be glad to offer you a fast, no hassle, no obligation quote for your new condo, apartment or home here in Fort Myers, Cape Coral, Naples and beyond . Call today and put our renters insurance knowledge to work for you.

Your renters insurance policy will specify what named perils you are protected against.

Some of these perils are:

  • Windstorm or Hail
  • Explosion
  • Fire & Smoke
  • Vandalism & Malicious Mischief
  • Theft (including attempted theft)
  • Falling Objects
  • Explosion
  • Sudden and accidental electrical current discharge
  • Accidental discharge of water
Liability features may include:

  • Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
  • Protection against claims you’re legally obligated to pay
  • Payment of the cost of defending claims against you
  • Pet Liability
  • Medical expenses of others
  • Accidental death benefits
  • Ask your Lott & Gaylor agent about these coverages to see if they are available or right for you.
A personal umbrella is a policy that primarily affords an additional layer of protection over your primary auto, boat and home, condo or renters insurance. The umbrella is typically sold in increments of one million dollars and the availability may be dependent upon the limit of underlying coverage.

In practice a true umbrella can actually become the primary source of coverage when there is no coverage on the underlying policy. These may include, but are not limited to:

  • Libel
  • Slander
  • False Arrest
  • Invasion of Privacy

Contact Us About Renters Insurance