Renters Insurance

Florida Renters Insurance

Peace of mind for you and your family belongings and memories.

Renter's insurance is available to persons renting or subletting a single family home, apartment, duplex, condo, studio, loft or town home. The policy protects against losses to the tenant's personal property within the rented property. In addition, a renter's insurance policy protects against losses resulting from liability claims, such as injuries occurring on the premises that are not due to a structural problem with the property (in this case, the owner's – not renter's – policy would apply).

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs

It’s essential to understand what your coverage options are — not just what you rent , but for you, and to others.

Learn More About Renters Insurance Coverages

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget.

People sitting down around a table in insurance meeting

Why do you need Renters Insurance?

Anyone renting any type of residence long-term—be it an apartment or single-family home—should strongly consider purchasing a renters insurance policy. For most tenants, renters insurance is an invaluable tool to protect against potentially devastating financial consequences. But wealthy tenants also have a need for renters insurance as a way to to mitigate the financial cost of damaging, unexpected events.

Here are some specific circumstances that rental insurance would cover:

Pays for someone else's injuries or property damage when it's your fault.

Pays for repairs to your belongings

Pays for temporary living expenses when your home is damaged.

Why do you need Renters Insurance?

A comprehensive policy will cover costs to replace your personal belongings, like your furniture, electronics, computer equipment, your clothes, jewelry, and appliances. Basic renters’ insurance will reimburse you for the loss of property (up to your policy’s coverage limit) if destroyed or damaged.

Typical Florida Policy Components.

Personal Property

Also called the “dwelling” helps protect your home’s structure, built-in appliances and wall-to-wall from damage

Personal Liability

Get help paying for damage or bodily injury caused by an accident that occurs in your home.

Liability Coverage

This coverage safeguards yourself from injury claims that occur in your home.

Temporary living expenses

Get help paying for damage or bodily injury caused by an accident that occurs in your home.

Medical payments to others

This coverage may help pay for medical or funeral expenses for someone injured on your property.

Salesman and couple with insurance plan board

It's Your landlord's responsibility is to have insurance to protect the actual structure of the building and any contents inside that are included with the home.

How Much Does Renters Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence renters insurance rates.

Location — The location of your home can change your rent insurance premium.

Personal Factors — Your habits can affect your homeowner’s insurance premium. Ex: smokers may pay more, good credit history can lower the premium.

Protective Devices — Alarm systems, smoke detectors, fire extinguishers, can lower the premium.

Claims History — Claims on a homeowner’s insurance policy.

The Household — Insurance companies underwrite at the household level, meaning they try to judge based on the entire family.

The Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.

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Have any questions?

(239) 313-2045

Open Mon - Fri

9:00am - 5:00pm

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