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Renters Insurancefor Florida tenants

Renters insurance can be a relatively affordable way to protect your belongings and personal liability.

Your landlord’s policy is not your policy

A landlord generally insures the building, not your personal belongings or personal liability. Renters insurance is designed for the tenant’s exposures.

More than just your stuff

Depending on the policy, renters insurance can include personal property, loss of use, personal liability, and medical payments. Optional endorsements may be available for certain valuables.

Simple coverage with real value

Whether you rent an apartment, townhome, or house, we can help compare options and explain deductibles, limits, and replacement cost choices.

Frequently Asked Questions

Renters Insurance FAQs

It is not generally a state-law requirement for every tenant, but a landlord may require it as part of a lease.
Do not assume it does. Coverage for unrelated roommates varies by policy and should be reviewed before a loss.
Standard homeowners policies generally do not cover flood damage from rising surface water. Flood insurance is typically purchased separately. If you live in Florida—especially near the coast—it is worth reviewing flood coverage even when a lender does not require it.

These answers are general information only. Policy language, carrier rules, and individual circumstances control.

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