Once you begin a renters insurance policy in Lakeland, you’ll get several types of coverage. First, this type of insurance covers the cost of repairing or replacing your personal belongings if they are destroyed or damaged due to specific covered perils. These perils include fires, vandalism, theft, and certain types of water damage. For example, if a pipe bursts in your kitchen or bathroom and floods your place, your renters insurance will pay to reimburse you for any items that were damaged. This includes items like clothing, furniture, and artwork as well as a wide array of other personal belongings.

Renters insurance also includes liability coverage. What does liability coverage mean? This part of your plan means that you’re protected if someone becomes injured while they’re on your property. It also protects you against a lawsuit, even if you’re legally responsible for someone else’s property getting damaged or destroyed while on or inside your property.

If the place where you live becomes uninhabitable due to specific perils, your renters insurance in Lakeland also covers temporary living expenses, so you have someone to stay until your home is repaired. It may also cover the cost of food while you wait to return home. 

You may also want to sign up for additional coverage that pays for things like food that gets spoiled in the refrigerator during a major natural disaster, water backups that get inside your home, and more. If you have higher-end belongings like precious heirlooms, expensive artwork, or luxury jewelry, you can also opt to get additional coverage.