A landlord can require you to have renters insurance to rent an apartment or condo, but there is no law in Florida saying you have to have renters insurance. It is legal though, for a landlord to make renters insurance a requirement for renting an apartment, so in essence yes, a landlord can require you to have renters insurance. You might be able to find a renter willing to rent without it. The Express Insurance agency of Longwood, Florida reminds you, however, that renters insurance is very cheap and it is a good idea to have such a policy. Renters insurance is cheap, and you may adjust the price by adjusting the deductible and the amount of liability coverage you wish to have.
Usually, the requirement is for liability overage if nothing else. If your apartment is destroyed by fire and you are determined to be at fault, the interior could be rebuilt for the owner, for instance. Renters insurance covers a lot more than the liability. It also covers your possessions. Many people do not realize that the landlord’s fire insurance policy does not cover the possessions of those renting. Renters insurance can also provide you with a place to stay if your apartment is damaged to the point of not being livable until it is repaired.
Contact Express Insurance of Longwood, FL to get the renters insurance you need. Reach them by phone or visit their website where you can get information about insurance and prices. You may also visit in person. It is important to also keep records of your possessions, receipts, and photos if possible, to show that you had the possessions. In addition to fire insurance, there is also insurance against theft, storm damage, and other accidents.