Renter's Insurance in Pensacola, FL

Why Do I Need Renter's Insurance in Pensacola, FL?

All too often, life is defined by the unexpected—especially if you live in rental property.  What are your neighbors doing upstairs?  What was that loud BANG! from the next-door apartment? You can’t control or predict what neighbors do.  Neither can you direct the weather nor prevent every possible mishap.  Accidental fires or other kinds of accidents and disasters can strike anyone, anytime.  And sometimes, even the most stringent precautions won’t prevent you from being targeted by vandals and/or thieves. 

That’s why renter's insurance is critical to protecting your assets.  Your landlord probably maintains some type of tenant insurance, but this coverage is bare-bones and will reimburse you for almost nothing—if that.  Without doubt, landlord insurance provides zero reimbursements for your personal stuff.

Renters Insurance Services

Your Stuff Might Be Worth More Than You Think

Because you’re a renter and not a homeowner, you might believe you don’t need renter's insurance; you simply don’t have enough assets—or so you believe.  For most people, this  simply isn’t true.  Unfortunately, many renter's simply don’t realize how much they stand to lose. For example, the average tenant owns more than $35,000 worth of personal  possessions, most of them kept in the rental unit. And $35,000 is an average.  Many tenants own significantly more, and others own  substantially less.  And it’s a given that  landlord insurance won’t cover any of your  possessions.  If an unexpected disaster destroyed all your stuff, do you have $35,000 in liquid assets to buy replacements?  What about $20,000 or $25,000 in cash?  How  about $50,000 or more in cash? 

If you answered "no" to these hypotheticals, it’s time to buy renters insurance or, maybe, increase your coverage amounts! 

Renters Insurance Services

What Does Renters Insurance Cover?

A good renter's insurance policy will protect most, if not  all  your valuables.  Proper renter's coverage  will  reimburse  you for losses incurred  from unexpected disasters. Those monies make it easier to recover and get back to  life-as-normal. A  Pensacola, FL renter's insurance policy from  Kevin O'Neil Insurance protects you from fires, wind and hailstorms, lightning, theft, and other  unanticipated mishaps, including aircraft and motor-vehicle accidents—even riots. 

What is Excluded from My Insurance Policy?

Like other insurance policy types,  renter's insurance also excludes  coverage for specific event types:

  • Floods
  • Earthquakes and mudslides
  • Settling
  • Natural deterioration and neglect
  • Bird, rodent, insect, and domesticated animal  damage

Contact  Kevin O'Neil Insurance for a Free Pensacola, FL Renter's Insurance Quote

Shield your assets against the unforeseen with  renter's  insurance from  Kevin O'Neil Insurance. As an independent Florida insurance agent in  Pensacola, FL, we offer free, comparative quotes on  renter's  insurance from multiple carriers, meaning you’ll get the best possible rates. No more shopping around; let us be  your  last stop shop for insurance comparison shopping. 

If you’re ready to see how much  Kevin O'Neil Insurance can save you on  renter's  insurance, call today at (850) 469-8082 For a free online   renter's insurance quote, fill out our online quote form on our contact page. 

icon07-free-img
Our Office
1117 N 9th Ave

Pensacola, FL 32501

icon09-free-img
Reach Us On
(850) 469-8082

Available 24/7

Scroll to Top