Your landlord’s policy covers the building — not your belongings or your liability. Renters insurance fills that gap, usually for far less than people expect.
Tenants in apartments, houses and condos.
Many Florida leases require renters insurance with liability coverage.
Flood contents, scheduled valuables.
What does renters insurance cover?
- Personal propertyRepairs or replaces your belongings after covered events like fire, theft or wind.
- Personal liabilityHelps cover costs if a guest is injured or you accidentally damage someone else’s property.
- Loss of usePays for temporary housing and extra expenses if your rental becomes unlivable.
- Medical payments to othersCovers minor injuries to guests, regardless of fault.
Do I need renters insurance?
It isn’t required by law, but many landlords require it in the lease. Even when it’s optional, it’s one of the most affordable ways to protect what you own.
Renters insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with renters insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
Does renters insurance cover flood?
No. Like homeowners insurance, renters policies exclude flood. Renters can buy contents-only flood coverage separately.
Is my roommate covered by my policy?
Usually not, unless they are a relative living with you. Each roommate should generally have their own policy.
Ready for your renters quote?
Free, no-obligation, and compared across multiple carriers.