what we do
Florida Renters Insurance Made Simple
Why Renters Insurance Matters More Than You Think
Many renters assume their landlord’s insurance will protect their belongings — but it doesn’t. A landlord’s policy only covers the building itself, not your furniture, electronics, clothing, or personal liability. Renters insurance fills that gap, protecting what you own and providing coverage if someone is injured in your apartment. For a low monthly cost, renters insurance offers valuable peace of mind for Florida tenants.
What Does Renters Insurance Cover?
Personal Property Coverage
Helps replace your belongings if they’re damaged or stolen due to covered events like fire, theft, or certain water losses.
Liability Protection
Covers legal and medical expenses if you accidentally injure someone or cause damage to someone else’s property.
Loss of Use Coverage
Pays for temporary housing and living expenses if your rental becomes uninhabitable due to a covered claim.
Theft Protection
Covers stolen items even if they’re taken outside your apartment, such as from your car or while traveling.
Optional Add-Ons for Valuables
Extra coverage is available for items like jewelry, electronics, or collectibles that may exceed standard limits.
Affordable Coverage That Fits Your Lifestyle
Renters insurance is one of the most affordable insurance policies available — often costing less than a few dollars per day for thousands of dollars in protection. We help you choose coverage limits based on what you actually own, not a one-size-fits-all policy. Whether you rent an apartment, condo, or single-family home, we tailor coverage to your needs and budget. If a claim happens, you’ll have real people to help you understand next steps and get support quickly.
Our Process
1
Review what you own and your liability needs
2
Select coverage limits that match your lifestyle
3
Add protection for valuables if needed
4
Secure coverage quickly and easily
Renters Insurance
Coverage at a Glance
The table below highlights what renters insurance typically covers and why it’s so valuable for Florida tenants.
| Coverage Type | What It Protects | Why It’s Important |
|---|---|---|
| Personal Property | Furniture, clothes, electronics | Replaces belongings after fire, theft, or damage |
| Liability | Injuries or property damage you cause | Protects savings from lawsuits |
| Loss of Use | Hotel and living expenses | Helps if your rental is temporarily unlivable |
| Optional Valuables | Jewelry, high-value items | Jewelry, high-value items Increases limits beyond standard coverage |
Not sure how much coverage you need? We’ll help you calculate it.
Common Questions About Renters Insurance
Is renters insurance required in Florida?
Florida law does not require renters insurance, but many landlords do. Even when it’s not required, it’s strongly recommended.
What does renters insurance cover in an apartment?
It covers your personal belongings, liability protection, and additional living expenses after a covered loss.
How much does renters insurance cost in Florida?
Most renters pay a low monthly premium — often around $15–$20 per month depending on coverage limits.
Does renters insurance cover hurricanes or storms?
It can cover damage to your belongings caused by certain storm-related events, depending on the policy. Flood damage requires a separate flood policy.
Can I bundle renters insurance with auto insurance?
Yes. Bundling renters and auto insurance often leads to discounts and simpler policy management.
Protect Your Belongings for Less Than You Think
Don’t risk losing everything you own — renters insurance offers affordable protection and real peace of mind. Our Jupiter-based team proudly helps renters across Florida & Beyond get covered quickly and confidently.
1
What we believe
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