A Florida renters insurance policy, aka an HO4 Tenant Homeowners policy, provides the protection you need for your personal property. An unforeseen event such as a fire, lightning, theft, or water damage could cause extensive damage to your property.
Whether you are renting a residence in a building with other units or a single-family home, our affordable renter's insurance options can provide you with the security of knowing your personal property is protected.
A renters insurance policy consists of four types of coverages that you can customize to fit your specific insurance needs. Please take a moment to learn more about these four standard coverages and the additional optional coverages available in our Renters Insurance program.
Coverage C provides coverage for your personal property. Furniture, clothing, jewelry, electronics, and appliances are a few examples of personal property items you may want to insure. Our HO4 Renters Insurance program includes replacement cost coverage (which means there is no deduction for depreciation). Replacement cost coverage for your personal property allows you to replace or repair damaged or destroyed items based on current market prices.
We offer Coverage C limits between $15,000 and $100,000.
Coverage D provides coverage for the additional living expenses you incur when the residence becomes uninhabitable due to a covered loss. This coverage will provide you with additional living expenses for alternate housing during the repair process. This coverage includes costs for a place to stay, food, and clothing.
The (HO4) Renters Insurance policy provides a Coverage D limit of 20% of the Coverage C limit.
Coverage E provides coverage that can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs - even if the lawsuit filed against you is false, groundless, or fraudulent. However, it does not cover liability losses caused by any animals you own or keep.
If you’re a dog owner, we have an optional Dog Liability Coverage Endorsement that you can add to your policy to provide coverage for bodily injury and property damage caused by your dog (certain restrictions apply).
The HO4 Renters Insurance policy offers Coverage E limits of $100,000, $200,000, $300,000, and $500,000.
Coverage F provides coverage for medical expenses incurred by someone who does not reside in your household and receives an injury on or nearby your property.
The HO4 Renters Insurance policy offers Coverage F limits of $1,000, $2,500, and $5,000.
We want to be upfront about potential savings options and discounts available to you. Keep money in your pocket while receiving excellent renters insurance.
In a few easy steps, you can get a free quote and easily send it to a local insurance agent.