Residents renting a condo in Pembroke Pines, FL, may wonder if they need insurance or assume they are covered by the condo owner’s policy. However, it’s important to understand what is and isn’t covered. While the owner’s policy provides coverage for certain areas, it does not protect the renter in all situations. To learn more about renters’ insurance, contact our agents at McCormick Insurance Inc. We can discuss your options and recommend a plan tailored to your needs.
About Renters Insurance
Things to Consider
- While renters’ insurance is highly recommended, it is not a legal requirement in Florida unless specified by the condo owner or condo association as part of your lease agreement.
- The condo owner’s insurance typically covers the building’s exterior, common areas (if applicable), and plumbing. However, it does not include coverage for your personal belongings. If your items are not covered by the condo policy, you will be responsible for their replacement costs.
- Renters’ insurance also provides liability coverage. For example, if a visitor to your unit slips and falls, the policy can address expenses related to the claim.
- If the condo becomes uninhabitable due to an unforeseen event, renters’ insurance may help cover temporary living expenses, such as alternate housing arrangements.
Contact Our Team
With a call to McCormick Insurance Inc., renters in Pembroke Pines, FL, can gain peace of mind knowing they have a policy in place to protect their assets. Whether you own a few personal items or many, you never know when an unexpected event might leave you in a difficult situation. Take the first step toward protection and security with a renters’ insurance policy today.