Renters Insurance in Florida
Many tenants assume the landlord’s policy—or the low price of their belongings—makes extra coverage unnecessary. Yet a basic renters policy can replace everything you own, pay for a temporary place to live, and shield you from costly liability claims —often for less than a night out in Miami.
Why Every Renter Should Consider a Policy
-
Liability protection – Covers medical bills and legal fees if a guest is injured in your unit.
-
Personal property replacement – Reimburses you for furniture, clothing, electronics, and more after fire, theft, or other covered losses.
-
Additional living expenses – Pays for hotel stays, meals, and other costs if a covered event makes your apartment uninhabitable.
-
Off-premises coverage – Many policies protect items stolen from your car or while you’re traveling.
What’s Typically Not Covered
-
Damage from flood, earthquake, or sinkhole (separate policies available).
-
Theft of your vehicle itself —handled under auto insurance.
-
Roommates’ belongings unless each has a separate policy.
Factors That Influence Price
| Consideration | How It Affects Your Premium |
|---|---|
| Location & building security | High-crime or coastal areas may cost more |
| Coverage limits & deductibles | Higher limits/ lower deductibles raise the rate |
| Total value of your property | More valuables = higher premium |
| Credit and claims history | Better scores & clean records lower costs |
Because insurers rate these elements differently, shopping around can uncover big savings.
Get Your Renters Insurance Quote Today
Our independent agency compares Florida’s top carriers to find the best blend of coverage and price. Reach out now, and protect your belongings—and your peace of mind—before the unexpected happens.
Largo, FL 33770
- Get Directions
- 727-584-9999
- Mo,Tu,We,Th,Fr 9:00 am – 5:00 pm
