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Good cheap companies for renter's isnurance in FL?

Discussion in 'Florida Glockers Club' started by passive101, Aug 13, 2007.

  1. passive101

    passive101

    5,557
    1
    Nov 26, 2006
    Indiana
    I've never had renter's insurance before. What insurance companies are decent in Florida for renter's insurance? I don't want to have to pay an arm and a leg, but I do have 2 handguns and never had it before. Not sure how they know what property you have and don't have.
     
  2. ackvil

    ackvil CLM

    98
    0
    Jun 19, 2006
    Chandler, AZ
    Try American Bankers Insurance Company of Florida. You can reach them at 800 432 8612.
     


  3. Mr. Blandings

    Mr. Blandings

    938
    0
    Jun 20, 2001
    Florida
    Job, rent, insurance, utilities... sure is a pain in the butt to be all "grow'ed-up"... ain't it? ;)

    You may want to check out a "multi-line discount" by purchasing more than one insurance policy through the same company. For instance, instead of purchasing your auto insurance from one carrier and your renter's insurance from another; you go to one company for both policies. Typically, you actually have to have three or more policies, so you may want to check out a small ($10K) term-life policy.

    Good luck!
     
  4. rvrctyrngr

    rvrctyrngr Senior Moment

    2,989
    0
    Sep 15, 2004
    Gator Nation
    I've used StateFarm for all my insurance for 15 years. Started with renter's insurance...then auto...then home.

    Renter's shouldn't set you back much. Shop around. Shouldn't matter if you own firearms or not...if it does, choose someone else. Join the NRA....more firearms insurance!

    I don't remember declaring any specific items for the renter's insurance. It was just 'contents' coverage, and liability because I owned a waterbed at the time.
     
  5. passive101

    passive101

    5,557
    1
    Nov 26, 2006
    Indiana
    If you don't have to tell them or show proof of ownership how do they know someone isn't lying and saying they own thousands more then what they really have?

    I new had renters insurance while I lived alone. Now we have quite a bit of stuff.
     
  6. ackvil

    ackvil CLM

    98
    0
    Jun 19, 2006
    Chandler, AZ
     
  7. rvrctyrngr

    rvrctyrngr Senior Moment

    2,989
    0
    Sep 15, 2004
    Gator Nation
    What he said.

    I found my old policy (amazingly enough, since I can't seem to locate any of my car titles!!!). 10K for 'contents'. I paid a little extra for 5K worth of specific firearms coverage. Premium was $80 for the year.

    There's no way I would have remembered that! That was a lot of years and beers ago!!!!
     
  8. Droanx

    Droanx

    133
    0
    Apr 2, 2006
    Orlando
    As stated look into getting your multiline discount by insuring everything with the same company.

    I have State Farm renter's insurance and I specifically asked about firearms. My policy covers $50,000 worth of stuff and will only cover $2,000 in firearms. I don't own that much in firearms so I'm alright. I do however have other "stuff" so it is a nice policy. It costs me a whopping $17 a month.

    I do have 2 cars on the policy as well. I pay less then $200 a month for everything. (When I was a teeneager I paid $220 a month for just my car)

    Also, if you own a "collection" you can buy extra insurance for just those items.