Palm Beach Apartment Insurance
Your apartment lease provides certain legal protections, but it does not cover your personal property.

5 Liabilities That Your Landlord Does Not Cover

Your apartment lease provides certain legal protections, but it does not cover your personal property. That’s why you need Palm Beach apartment insurance to protect you from loss. Here are some examples of what your landlord doesn’t cover.

1. Personal Property Damage

Your landlord is rarely held responsible for your personal effects. Even if the property structure causes damage your belongings, you typically incur most of the losses.

2. Theft

Loss of property due to theft is entirely your responsibility. Your landlord’s insurance might cover damage to the exterior of the unit, but you pay for the replacement of stolen items.

3. Temporary Lodging

If your apartment experiences severe damage after a natural disaster, your landlord is not responsible for providing you with temporary lodging or moving expenses. Also, your landlord’s insurance does not cover damages to your personal belongings after the event.

4. Injuries

Guest injuries that occur inside your apartment are considered your liability. Your landlord might be responsible for injuries located in common areas, but it is likely that you will be charged with a portion of the cost.

5. Damage to Others

If you accidentally damage your neighbor’s personal property, your landlord does not cover their losses. You assume responsibility for the entire event and outcome. Why risk financial burden when insurance companies can protect you? It’s time to call your Palm Beach apartment insurance provider to purchase an insurance plan.

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