It’s not just homeowners that need insurance. Renters do to. Just because you don’t technically own the property which you’re living in, it doesn’t mean that you should forgo getting proper insurance. When I mention the small matter of renters insurance, most people wave me away saying that because they’re not homeowners, they don’t need to be covered. However, the recent catastrophic fire in Gainesville, Florida has raised people’s awareness for the need to have adequate renters insurance. However, some people are still sceptical. So, why do we need to have renters insurance?

Money, Money, Money

Now, money is a worry for a lot of renters but, don’t be put off by the prospect of paying for more insurance. FL renters insurance is actually relatively cheap, especially if you consider the alternative should your home be flooded or broken into. Come on, think about it. Is it going to be cheaper to pay a small amount each month to ensure that your home or apartment is covered in the event of a fire, or to have to replace everything that was destroyed? Renters insurance also covers liability so, if someone manages to hurt themselves in your home, it will cover medical expenses. Sounds good, doesn’t it?

The Florida Issue

Ok, let’s consider the geographical location of FL. Now in Florida, you need renters insurance more than people in other states do. Come on, how many natural disasters are we subjected to each year? With the sheer number of storms and tornadoes which have devastated the state, I am surprised that no one’s really bothered with renters insurance before. For goodness sake, a tornado isn’t going to refrain from destroying your house just because you’re an uninsured renter and the house next door has been insured, is it? Let’s think about this logically, people. If you aren’t covered and your home is destroyed in a flood, you aren’t going to get any compensation. There are no rewards for being the idiot who didn’t bother. Have some common sense, people!

Flood Flaws

Before you get all excited thinking that you’ll be covered in the event of a flood, I’m just going to mention that, a fair number of insurance companies do not include flood protection in their policies. If you wish to be protected from floods (which is an extremely good idea) you will have to purchase additional protection from someone like FloridaInsuranceQuotes.net. However, this does not cost a significant amount more and, in the event of a flood, you will be extremely grateful.

If you’re a renter, you should really have renters insurance to insure that, if your home is devastated by a natural disaster, you can receive compensation. Come on, you don’t want to be living out on the streets just because you were the one idiot who didn’t listen to the advice about purchasing renters insurance, do you? Whilst you will have to adjust your budget to accommodate the price of renters insurance, in the event of a burglary or fire, you will not be sorry for it. So, what are you waiting for? Get covered today.