Advice For Recent Grads: Renter’s Insurance

There’s nothing like getting the keys to your first apartment! That is, at least until you discover the loud  neighbors, clogged sink, and beeping smoke alarm. Renting an apartment is a big and exciting step, especially for young people who are finally moving out of their college dorms or parent’s houses and into the “real world.” But apartments do come with some unique challenges, ranging from the mildly annoying (that leaky faucet) to the actually dangerous, like a poorly-lit parking lot.

Renter’s Liability Insurance

When you get an apartment, you’ll want to protect your belongings. If it’s your first apartment, you might not think you need to protect anything. After all, it’s not like you have a luxurious flat-screen, or a stellar sound system. But you do have important things. You probably have a laptop and phone, a TV or gaming system, and clothes and jewelry. You might even have some small collectibles or heirlooms. In the event of an incident, you want to protect these things. Renter’s insurance ensures reimbursement.

Renter’s liability insurance usually covers you for vandalism, fires, or floods. These are generally things that are considered outside your control, and therefore, you deserve reimbursement. There are some exceptions, though. For example, if you burn down your kitchen because you were smoking illegal drugs, you might not receive compensation.

What About Accidents?

Hopefully, no one ever gets hurt on your property. But unfortunately, accidents do happen. Someone might fall down your stairs when they’re slippery after a rainstorm, or hit their head against a porch railing. When accidents happen, renter’s insurance will sometimes cover the injuries. The amount of coverage usually depends on where the injury occurred, and who was at-fault. The full cost might be covered by renter’s insurance, or part of it could be covered by your landlord.

Is My Landlord Liable?

In the event of a serious injury, sometimes the compensation from renter’s insurance might not be enough. If you have complain to your landlord about an existing problem and nothing is done to fix it, you may have grounds for a premise liability lawsuit. For example, if you notify your landlord about poor lighting and security in your parking lot, you expect them to do something about it. If you are later attacked or mugged in the parking lot, you can attempt to hold your landlord responsible, because they did not address the present danger.

This can also apply to things in your apartment, like a faulty smoke alarm, a dangerous stair, or a loose balcony porch. If you inform your landlord of any issue, they should attempt to promptly and properly address it.

If something like this occurs, gather all the evidence you can, especially any proof of your initial complaints to your landlord.

Happy Renting!


The attorneys at Perenich, Caulfield, Avril & Noyes represent those involved in car accidents, motorcycle accidents, bicycle accidents, pedestrian accidents, and other types of personal injury matters. Our firm is one of the oldest personal injury law firms in Tampa Bay. There are no attorneys’ fees or costs unless we prevail for you. Call our office 24 hours a day at 727-796-8282 or simply click here to schedule a free case consultation.

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