Florida renters insurance is necessary for anyone renting or leasing a home, apartment or condo. This valuable coverage provides protection for your personal belongings as well as your personal liability.

Home interior living room with televisionAM I REQUIRED TO CARRY FLORIDA RENTERS/TENANTS INSURANCE?

Check your lease agreement. Most landlords require their tenant to carry Florida renters insurance to protect their personal contents. Even if your lease does not require you to carry Florida renters insurance it is still a very good idea.


  • Contents. This protects your personal belongings in case of fire, hurricane, etc.
  • Betterment and improvements you have made to the home or apartment such as fixtures or window treatments.
  • Medical payments. This coverage protects your guest if they are inured on your premise.
  • Personal Liability. This is most likely to be the largest loss you could suffer. If someone is seriously injured on your premise due to your negligence it could be very costly. If you are found liable for their injury it could cost hundreds of thousands in a lawsuit. The personal liability portion of your Florida renters insurance protects you up to the limit you choose. Normally, limits range from $100,000 to $1,000,000.
  • Loss of use. If your dwelling becomes uninhabitable, this portion of your Florida renters insurance policy will pay for you to stay somewhere else while it is being repaired.
  • Deductibles. Your deductible will apply in the event your property is damaged under a covered peril. You pay your deductible and the insurance company pays the rest. Deductibles typically range from $500 to $2,500.


  • You can be sure you’re getting the best deal on your Florida renters insurance quotes by shopping around. Statewide Insurance has access to more than 15 top Florida renters insurance companies. GET FLORIDA RENTERS/TENANTS INSURANCE QUOTES NOW!
  • Deductible. By increasing your deductible on your Florida renters insurance policy you can lower your rates. You want to consider how much you would be willing to pay, out of pocket, before you would file a claim. Generally a Florida renters insurance policy will offer a $500, $1,000, or $2,500 deductible option.
  • Having a monitored security alarm. Installing an alarm system that is monitored can also save you money on your Florida renters insurance rates.
  • Single entry communities, gates, and guards. A lot of Florida communities are gated or guarded which is eligible for discounts. Some Florida renters insurance companies even offer discounts for communities that have one or two entry points.
  • Age of structure. The age of the structure plays an important role in factoring your premium. While most Florida renters insurance companies discount structures that were built after 2001, due to strict building code changes, they will typically also surcharge a policy if the home is 30 years old or more.
  • Protection class. Identify whether or not your rental property is located within 5 miles of the nearest fire department and within 1,000 feet of the nearest fire hydrant. If not, you will pay higher Florida renters insurance rates.
  • Territory. The location of your property is going to play a big part in your Florida renters insurance rates. Coastal properties in Florida pay higher Florida renters insurance rates. Properties that are located further inland or in less populated areas could actually see a reduction in rate.
  • Appetite. Some Florida renters insurance companies just have bigger appetites for certain areas of the state. By shopping around with multiple companies we make sure you are getting the carrier that is best suited to your area.
  • Retired? If you are over age 50 or retired it could also save you money on your renters insurance.



While your landlord should have insurance coverage for the building in which you live, you need to be aware that the landlord’s coverage does not extend to protect your personal possessions. Florida renters insurance provides protection for your furniture and personal possessions – at home or away from home – against damage from such hazards as fire, lightning, windstorm, hail, explosion, smoke, vandalism, and plumbing leakage. A Florida renters insurance policy also helps protect your property against practically every type of theft loss in your apartment or, in most cases anywhere in the world.
This personal property coverage is also called contents coverage since it insures the contents of your apartment. You determine the value of your property and the Florida renters quotes are based on this amount.
Optional Property Coverages
Since each of us enjoys a unique lifestyle, you may require special coverages for your individual needs. The following coverages can be purchased separately:
Contents Replacement Cost: pays full cost to repair or replace most personal property on your Florida renters insurance policy with no deduction for depreciation.
Personal Articles Floater: coverage that is broader than what a basic Florida renters insurance policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers. (A recent appraisal may be required for this type of insurance.)
Personal liability protection
Stuff happens…and sometimes it’s not always good. In the event that you are sued, your renter’s personal liability protection helps to cover the associated legal costs and related damages.
Most Florida renters insurance policies provide $100,000 (minimum) of financial protection against liability claims and lawsuits brought by others for accidental bodily injury or damage to their property:

  • while in your apartment or home
  • caused by your personal activities, including most sports
  • caused by your children

Liability protection also includes medical payments coverage. For example, Travelers of Florida will pay up to $1,000 per person — regardless of your legal responsibility — when an accident involves bodily injury to others. Higher amounts of coverage are available.
Additional living expenses
If you are forced out of your home or apartment by a covered hazard, your Florida renters insurance may pay up to 20% of the contents coverage for necessary additional living expenses (hotel, meals, laundry, etc.) while your damaged apartment is being repaired.
Many Florida renters spend considerable time and money on alterations or redecorating. Under a Florida renters insurance policy, you may apply up to 10% of your contents coverage to repair or replace these damaged improvements.
Fire legal liability
This feature protects you if you’re held legally responsible for any fire damage to the building in which you live. And this coverage not only protects your home, but also any vacation property you rent.
Credit card and check forgery
Florida Renters insurance may provide you with up to $1,000 of coverage for losses resulting from forgery or any alteration made in connection with credit cards, automated teller cards, and checks used by you and your family.
A deductible is the amount of loss you agree to assume before your Florida renters insurance coverage takes over. The higher your deductible, typically the lower the cost of your policy premium. The deductible applies to property losses only. Liability protection does not require a deductible.
Florida renters insurance policies also have a Calendar-Year Hurricane Deductible. The hurricane deductible will only apply once per calendar year. This means if you have one hurricane loss, your Calendar-Year Hurricane Deductible will be applied. However, if you have losses from subsequent hurricanes during the same calendar year, the deductible for the additional hurricane losses will be the greater of:

  • The remaining amount of the “Hurricane Deductible” (if not exhausted by the original loss), or
  • The “All Other Perils Insured Against” Deductible