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Florida Renters Insurance

What is Florida Renters Insurance?

Florida renters insurance is a type of personal insurance coverage that is necessary for anyone planning to rent or lease an apartment, home or condo.  This coverage provides protection for your personal belongings and your personal liability.

Florida Renters Insurance and Personal Property Coverage


Your landlord should have insurance coverage in place for the building in which you reside, but you need to be aware that the landlord’s coverage does not protect your personal possessions. A Florida renters insurance policy will provide protection for your furnishings and other personal possessions – against damage from smoke, vandalism, fire, lightning, windstorm, hail, and plumbing leaks. A Florida renters insurance policy also helps to protect property against practically every type of theft in your apartment.
You must determine the value of your property and possessions and the Florida renters insurance quotes are based upon this amount.

Most Florida renters policies provide a minimum of $100,000 of financial protection against liability and lawsuits brought by others for accidental injury or property damages, while in your residence, caused by your activities or your children’s activities.

What will my Florida renters insurance policy protect ?

  • Lightning damage
  • Fire and Smoke
  • Windstorms and hail
  • Riots
  • Vehicles
  • Vandalism
  • Theft
  • Water overflow
  • Freezing
  • Explosions
  • Sudden or accidental damage as a result of artificial electrical currents
  • Your personal property even whilst abroad or while on vacation.

I have a roommate – do we both need to have separate renters insurance policies?

A Standard renter’s policy will cover yourself and relatives that live with you. If your roommate is not a relative, you will need your own individual renter’s policy to cover each of your own possessions and to provide you with liability coverage for each of your own actions.

Optional Rent Insurance Property Coverages

  • Personal Articles Floater: Extends your Florida renters insurance that covers valuable possessions such as jewelry, artwork and computers.
  • Personal Liability: If you are sued, your renter’s personal liability protection will help to cover associated legal fees and damages.
  • Contents Replacement Cost: Will pay the full cost to replace or repair most personal property listed on your Florida renters insurance policy with no deduction for depreciation.

How Can I Save Money on My Renter’s Insurance?


  • By increasing your deductible you can lower your rates. Consider how much you would be able to pay out of pocket, before you could file a renters insurance claim. Generally a Florida renters insurance policy will offer the options for $500, $1,000, or $2,500 deductible.
  • Property location is an important element for your Florida renters insurance rates. Coastal properties will pay higher Florida renters insurance rates. Inland property or within a less populated area could possibly see a reduction in rate quotes.
  • Installing an alarm security system that’s monitored can also help to save money on your Florida renter insurance rates.
  • By Contacting your friends at Metro Insurance Agency. We will work hard to find you the best and lowest rates on your Florida renters insurance policy.


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Serving the Great State of Florida

We have extensive experience working with many different types of businesses throughout the Florida area (including the areas of Punta Gorda, Estero, Fort Myers Beach, Cape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Naples)