Know your renters insurance rights

Renters Insurance FAQs

Following a natural disaster, accident, robbery, or any other unfortunate occurrence — renter’s insurance is an invaluable asset for those who live on rental properties. Whether you’re considering buying renter’s insurance or need to file a claim, it’s important to understand the specific coverages of renter’s insurance policies. Below, our experienced insurance lawyers have compiled some of the most frequently asked questions regarding renter’s insurance. 

For help filing a claim or if you believe your renter’s insurance claim was denied in bad faith, contact the Law Offices of Michael B. Brehne, P.A. to request a consultation with an experienced insurance claim lawyer!

Renters insurance is an insurance policy that covers belongings in the policyholder’s rented property that may need to be repaired or replaced due to damage or theft. For example, in the event of a fire, break in, major storm, or sewer backup damage — a policyholder’s renter’s insurance will pay you back for lost or damaged personal property. Additionally, some policies include liability coverage that protects renters if someone is injured in their home, condo, or apartment.

Any renter who doesn’t want to be financially responsible for replacing or repairing personal property that is damaged or lost in perilous circumstances should have renter’s insurance. Just like many other insurance policies, renter’s insurance is crucial for avoiding unforeseen expenses.

Renter's insurance is not legally required. Nevertheless, it is not uncommon for landlords to require their tenants to carry renter's insurance as a condition for signing a lease.

The exact coverages of rental insurance will vary depending on the specifics outlined in your policy. Some common examples of events that are generally covered by renter’s insurance include the following.

  • Fire Damage
  • Water Damage
  • Storm Damage
  • Theft & Vandalism
  • Windstorm & Hail Damage
  • Flooding
  • Snow & Ice Damage
  • Plumbing Damage
  • Damage From Vehicles
  • Smoke Damage
  • And More!

Some insurance providers will allow renters to add someone who isn’t related to them onto their policy. However, it’s generally recommended that roommates have their own separate policy to ensure their personal property is fully covered by the amount on each policy.

Yes! Damages and losses from natural disasters such as hurricanes are covered by renter’s insurance policies.

If your renter's insurance claim is denied or lower than it should be you should contact our Orlando law firm for assistance from our experienced insurance dispute attorneys. An insurance lawyer with the Law Offices of Michael B. Brehne, P.A. will fight hard to get you the coverage you paid for on your renter’s insurance policy. To learn more about disputing an offer made by your renter's insurance company, contact us free consultation with one of our insurance dispute lawyers!