Does Renters Insurance Cover Things Outside the Home in Fort Myers?

Many people understand how important it is to have renters insurance in Fort Myers, FL. However, they don’t understand just how much renters insurance really protects them. It doesn’t just protect things in your home. At SWFL Insurance Agency Inc., we think it’s a good idea for you to understand how renters insurance can protect your off-premise property

Personal Property is Still Personal No Matter Where It’s At

Your personal property belongs to you no matter where it’s located. Understanding that can help you understand how your renter’s insurance can cover your things, even when they’re not in the home.

How an insurance company covers off-premise items can vary, so it’s important to discuss the possibilities beforehand. It’s certainly possible for your renter’s insurance to cover some or all the following:

  • Items in a storage unit
  • Lost, damaged, or stolen luggage when traveling
  • Lost, damaged, or stolen items from your vehicle

Things immediately outside your home may also have coverage. For example, items in a shed or on the lawn are outside the home, but they’re still your personal property.

Often, insurance companies will only cover a portion of the value of property not at the home. This can vary, but even some assistance is better than none at all when it comes to recouping a loss.

You May Have More Coverage for Your Personal Property Than You Know

As mentioned, your policy may not cover all off-premise items, but it will cover some. Even if your policy or agent doesn’t specifically say you have certain forms of off-premise coverage, it never hurts to ask.

A situation may arise where something belonging to you becomes damaged, stolen, or lost while you’re not at home. Contact your renter’s insurance carrier to see if they can help you out.

Renters insurance is incredibly versatile. If you rent in Fort Myers, FL, you should consider renters insurance a necessity. To learn more about how renters insurance can cover you, contact SWFL Insurance Agency Inc. today.