What does renters insurance cover?
- Your belongings. Furniture, clothing, electronics and more, after covered losses like fire, theft or wind.
- Liability. If someone is injured in your rental or you accidentally damage someone else’s property.
- Living expenses. Help with a place to stay if a covered loss forces you to move out for a while.
Doesn’t my landlord’s insurance cover me?
Your landlord’s policy covers the building itself. It doesn’t cover your belongings, and it doesn’t protect you if you’re responsible for an injury or damage. That’s what renters insurance is for.
Does renters insurance cover flood?
No. Like homeowners insurance, renters insurance doesn’t typically cover flood. In Florida, it’s worth adding flood coverage for your belongings. Through the National Flood Insurance Program, renters can cover their contents up to $100,000. See flood insurance in Florida.
Is renters insurance required?
Florida law doesn’t require it, but many landlords make it a condition of the lease. Even when it isn’t required, it protects your belongings and covers you if you’re responsible for an injury or damage.
Common questions
Doesn't my landlord's insurance cover my things?
No. Your landlord's policy covers the building, not your furniture, clothing, electronics or other belongings, and it doesn't protect you if you're responsible for an injury or damage. A renters policy covers your belongings, your liability, and help with living expenses if a covered loss forces you to move out for a while.
Is renters insurance required in Florida?
Florida law doesn't require renters insurance, but many landlords make it a condition of the lease. Even when it isn't required, it protects your belongings after covered losses like fire, theft or wind, and covers you if you're responsible for an injury or damage.
Does renters insurance cover flood?
No. Renters insurance doesn't typically cover flood damage, including storm surge and heavy rain. Florida renters can buy a separate flood policy for their belongings, up to $100,000 through the National Flood Insurance Program. Most new flood policies have a 30 day waiting period, so it's best to buy before hurricane season.