Make an Inventory of the Possessions inside Your Gainesville, Florida Apartment
Many people in Gainesville, FL have car insurance and health insurance, but as an apartment renter, do you also have renters insurance? If you don’t, you really should.
The main reason why all apartment renters need renters insurance is the fact that a landlord’s property insurance does not cover the possessions or liability of residents. Therefore, if any of the belongings you own inside your Gainesville, Florida apartment were damaged or lost to natural disaster, theft, fire, or flooding, you would be responsible for replacing them—not your landlord.
In addition to your renters insurance policy, it is also recommended that you make a detailed inventory of your belongings, especially your most valuable belongings such as your jewelry, electronics, bicycles, furniture, collectibles, and so on. Your inventory documentation should include:
- A written list with brands, model numbers, serial numbers, and descriptions
- The monetary worth of each item
- Purchase receipts (if you have them)
- Photographs and/or video images of your possessions
Once you’ve gathered the above information, store it in a protected place such as a fire- and waterproof safe, safe deposit box, or in a digital file that you keep off-site.
On top of providing you with the comfort of knowing exactly what you own and what it is worth, your inventory also can help you assess how much renters insurance coverage you need.
