Renters Insurance

Florida Renters Insurance Coverage

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.

Optional coverages 

We offer the following optional coverages that can be added to your renter's insurance policy: 

  • Equipment Breakdown (Read More)

  • Identity Theft Protection (Read More)

  • Dog Liability 

  • Personal Injury 

  • Water Backup and Sump Overflow 

  • Scheduled Personal Property 

  • Golf Cart Physical Damage and Liability 

  • Increased Special Limits Coverage 

  • Additional Insured for Roommates 

Tip: Check to see if any of these coverages are included or excluded in the renters insurance quotes you receive from your agent to make sure you're conducting an accurate comparison. By reviewing coverage carefully, you'll be able to make a better decision and discover the coverage options that are better suited for you.