Renters Insurance in Panama City Beach and Lynn Haven, FL

Why Do I Need Renters Insurance in Panama City Beach or Lynn Haven, FL?

All too often, life is defined by the unexpected—especially if you live in rental property. What are your neighbors doing upstairs? What was that loud BANG! from the next-door apartment? You can't control or predict what neighbors do. Neither can you direct the weather or prevent every possible mishap. Accidental fires or other kinds of accidents and disasters strike can strike anyone, anytime. And sometimes even the most stringent precautions won't prevent you from being targeted by vandals and/or thieves.


That's why renter’s insurance is critical to protecting your assets. Your landlord probably maintains some type of tenant insurance, but this coverage is bare-bones and will reimburse you for almost nothing—if that. Without a doubt, landlord insurance provides zero reimbursement for your personal stuff.

Your Stuff Might Be Worth More Than You Think

Because you're a renter and not a homeowner, you might believe you don't need renter’s insurance; you don't have enough assets—or so you believe. For most people, this isn't true. Unfortunately, many renters don't realize how much they stand to lose.


For example, the average tenant owns more than $35,000 worth of personal possessions; most of them kept in the rental unit. And $35,000 is an average. Many tenants own significantly more; others own substantially less. And it's a given that landlord insurance won't cover any of your possessions.

For Rent sign in front of a house

If an unexpected disaster destroyed all your stuff, do you have $35,000 in liquid assets to buy replacements? What about $20,000 or $25,000 in cash? How about $50,000 or more in cash?

If you answered "no" to these hypotheticals, it's time to buy renters insurance or maybe, to increase your coverage amounts!

What Does Renters Insurance Cover?

A good renters insurance policy will protect most, if not all your valuables. Proper renters’ coverage will reimburse you for losses incurred from unexpected disasters. Those monies make it easier to recover and get back to life-as-normal.


A Panama City Beach or Lynn Haven, FL renter’s insurance policy from Jessica Lyng Insurance protects you from fires, wind and hailstorms, lightning, theft, and other unanticipated mishaps, including aircraft and motor-vehicle accidents—even riots.

What is Excluded from My Insurance Policy?

Like other insurance policy types, renter’s insurance also excludes coverage for specific event types:

  • Floods

  • Earthquakes and mudslides

  • Settling

  • Natural deterioration and neglect

  • Bird, rodent, insect, and domesticated animal damage

Contact Jessica Lyng Insurance for a Free Panama City Beach and Lynn Haven, FL Renters Insurance Quote

Shield your assets against the unforeseen with renter’s insurance from Jessica Lyng Insurance. As an independent Florida insurance agent in Panama City Beach and Lynn Haven, FL, we offer free, comparative quotes on renters’ insurance from multiple carriers, meaning you'll get the best possible rates. No more shopping around; let us be your last stop shop for insurance comparison shopping.


If you're ready to see how much Jessica Lyng Insurance can save you on renter’s insurance, call today at (850) 265-6088! For a free online renter’s insurance quote, please fill out our online quote form on our contact page!

Scroll to Top