Clermont Florida Renters Insurance

Affordable Clermont Renters’ Insurance Options

The professionals at Southern Insurance Group have over 24 years experience providing quality renter's insurance in Clermont and throughout the State of Florida.

How can we do this?

Because Southern Insurance Group is an independent agency, we have hand selected the best carriers that provide renter’s insurance throughout the industry. Let’s face it, who likes calling various insurance carriers to get a quote on renters insurance? On a scale of one to ten, it ranks slightly above getting your teeth cleaned. So instead of you calling numerous companies and giving all your personal information time and time again why not give it once and let us find the best coverage for the money through the insurance marketplace.

Here is the 411 on Clermont Renter's insurance

Who needs insurance for a home or a place that you are just renting? I say you do. If you are a renter then you need to consider renters insurance in Clermont. Not many renters consider having renters insurance as a priority. The reason behind this is that not many actually know what the benefits they can get from renters insurance. Having renters insurance does not mean that you are paying to have the building of your apartment insured. Your landlord takes care of that. But renters insurance protects the personal belongings you have put up in your apartment in case of fire and theft.

But before you take a renter's insurance policy,  there are factors that you must do first to be able to get the cheapest renters insurance for you. First take a look at the value of your possessions. Make an estimate. It is advisable that you take on only the insurance that you need. Do not over insure your valuables. This would cost you more. It doesn't have to be an exact figure but having a little more coverage than necessary is better than not having enough. The bottom line is the homeowner insurance carrier will pay the policy limits if you were to have a total loss. 

Not a big tip but you will save a payment service fee if you can pay for the full premium up front. However if you do not have the cash to pay the premium upfront, you will have various pay options to pay the balance. Most carriers will charge on average 3-5 dollars per payment as a service fee for not paying in full.

Southern Insurance Group will look at different companies who offer renter's insurance in Clermont or wherever you are located and compare the rates that would be suited for your budget. This is a very important point as we we have contract with all the top renter's insurance carriers in the FL marketplace. You can shop with other carriers but they will most likely be the same carriers that we offer. We can provide you with the carriers who can offer you the best rates for your area.

Another benefit of the renters insurance is not just insuring your possessions. ALE or Additional Living Expenses will save you from the trouble of looking and paying for a new place should the place where youíre renting becomes uninhabitable. Most commonly this happens after a fire, flooding and many other naturally occurring disasters.

Your next two coverage's pertain to injuries sustained on your property or due to your negligence. Your Clermont renter's insurance policy will provide coverage for these items in the event of a suit against you. 

Are renter’s insurance policies expensive?

Not at all. A typical renter’s insurance policy in Clermont may run 50-60% less than at regular homeowner policy. Although you aren’t insuring a dwelling like a homeowner policy all your other coverage’s are going to be similar to a homeowner policy such as contents, loss of use, liability, and medical pay coverage.Below is a brief description of what each coverage protects you for.

Contents: This covers your personal property like furniture, TV’s clothes.

Loss of use: If you have a claim that requires you to relocate until your residence is repaired this coverage will pay these relocation expenses usually up to 10-20% of what your contents coverage is.

Liability: If someone is injured due to your negligence this coverage is designed to protect you. An example would be someone who falls from a broken step on your porch. Most companies offer 100,000 to 500,000 for this coverage.

Medical payments to others- Usually offered in limits of 1000-5000, this coverage will pay out for an injury sustained on your property. E.g. someone slips on water in the kitchen and injures their elbow from a fall.

Do you need renter’s insurance in Clermont?

According to the statistics from the US Department of Housing, over 80 million or two-thirds or people renting homes and apartments today are not covered by renter's insurance.  Just because you do don't own the home you live in, doesn't mean that you don't have risk to protect your belongings from perils like theft, vandalism, fire, and falling objects the minute you begin renting. Don’t be a statistic – get covered today!

Renters insurance that you can purchase form Southern Insurance Group assures you that you're protected against the damage or loss of personal property when you rent an apartment or house. It gives you the peace of mind from the "What If's" Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property. In fact, it's not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.

Did you know that not only will renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. In addition, our Clermont renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person's property(whether the incident occurred within your rented residence or elsewhere)

Once you determine your need for renter's insurance, knowing your options will help you choose the best policy. We can then shop our 25 carriers for your top pricing so that you have best that the renters insurance marketplace affords.

What’s covered on a renter's policy?

Think of the costs associated with having to replace everything you own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can say yes to all of the above.

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection

Get a Renters Insurance Quote Today!

So don't be left in the dark without coverage.  To tailor a renters insurance policy that’s right for you today, fill out the quick and easy Protection Savings Form below right now. An Southern Insurance Group expert will provide you with the best possible quote in no time.