The semester has just begun and you and your roommates can not be happier with your newly rented off campus apartment. Not only the apartment, but everything in it too – your brand new plasma TV, “just out of the box” laptop, “to die for” comfortable couch and if you’re lucky to have a backyard, maybe even a great BBQ hosting grill! As you glance around in awe of how great your apartment is, you think to yourself, “We have everything we need.” Think again, you absolutely need Florida Renters Insurance.

Most students think they are covered from their landlord’s policy, but that is not always the case. More often than not, your personal assets are not covered when you are the victim of fire, theft, water damage and much more.

Thinking about having some friends over to show off your new place? In order to enjoy your time with friends, you’ll have to be worry free! Florida Renters Insurance policies can do just that! It will protect more than just your property such as furniture and electronics; it can protect you in the event that someone is injured at your apartment.

Here are some tips the National Association of Insurance Commissioners suggest when it comes to Florida Renters Insurance:

• Make a comprehensive list of possessions, including purchase prices, model numbers and serial numbers.
• It also is a good idea to take photos or video footage of any personal possessions for documentation, making sure it is stored in a secure, off-site location.
• Estimate the value of your personal possessions. This is the amount of insurance you will need to replace the contents of your home if everything were destroyed.
• Install, or have the landlord install, an anti-theft or safety device inside the rental property.