Renters Insurance in Pensacola, FL

Why Do I Need Renters Insurance in Pensacola, FL?

All too often, life is defined by the unexpected—especially if you live in 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 strike 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 a doubt, landlord insurance provides zero reimbursement for your personal stuff.

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Your Stuff Might Be 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 enough 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 own substantially less.  And it’s a given that landlord insurance won’t cover any of your possessions.

If an 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 you 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 your valuables. Proper renters coverage will reimburse you for losses incurred from unexpected disasters. Those monies make it easier to recover and get back to life-as-normal.

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

What is Excluded from My Insurance Policy?

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

Floods
Earthquakes and mudslides
Settling
Natural deterioration and neglect
Bird, rodent, insect, and domesticated animal damage

Multi-Policy Condo Insurance Discounts

If you purchase condo insurance through a John Willem Insurance carrier, you may be eligible for discounts if you’re an existing John Willem Insurance policyholder. Whether you’re an existing customer with our agency or not, ask about our multi-policy discounts when you bundle condo insurance with other policies.

Contact John Willem Insurance for a Free Renters Insurance Quote

If you’re shopping for renters insurance anywhere in Florida, we’d be thrilled to hear from you.  As an independent Florida insurance agent, we offer free, comparative quotes on condo insurance from multiple insurance carriers, meaning you’ll get the best possible rate.  Our ability to comparison shop on your behalf will save you lots of time, too!

 

If you’re ready to see how much we can save you on renters insurance, call John Willem Insurance today at (850) 477-7186!  For a free online condo insurance quote fill out our online quote form on our contact page!

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Pensacola, FL 32503

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