Renters Insurance
Storm after storm, year after year ®, we are here for you. We have options for every homeowner.
Florida Renters Insurance
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 renters insurance options can provide you with the security of knowing your personal property is protected.
Florida Renters Insurance Coverage Includes
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.
HO4 Coverage for
Personal Property
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.
HO4 Coverage if
Your Rental Becomes Uninhabitable
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.
HO4 Coverage for
Personal Liability Insurance
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.
HO4 Coverage for
Medical Payments
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 Add-Ons
- Equipment Breakdown
- Identity Theft Protection
- 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

Additional Coverage Options
Our flexible coverage options, knowledgeable agents, and exceptional customer service ensure that you have the right coverage for your specific needs.

Signature Homeowners Insurance
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Premier Homeowners Insurance

Condo Insurance

Dwelling Flex

Dwelling Basic

Landlord Flex
Kudos From Our Customers
“An insurance company that actually cares about its customers. A true unicorn in the insurance industry. After hurricane Matthew, while other insurance companies were praying their phone’s didn’t ring, Security First was calling every single customer in the affected area and asking if they can help. True compassion.”
– Kenneth from Port Orange Florida
It’s so encouraging to see those that care about their customers and their clients here, trying to help them get a claim started and get their lives back in order.
I’ve been with Security First for about 10 years. I’m very happy with how the process is moving forward.
By that morning, I already had my claims number, they were already working on people to send out to take care of the tree, tarping the house, and getting an inspector … It’s been a real dream to work with them.
I wouldn’t use anyone else, honestly. It’s been a life-changing experience in terms of insurance.
They contacted us before the storm and after the storm to make sure that we were ok and had a place to go. We’ve recommended them to other people.
I can’t say enough about Security First Insurance. We have friends and family with other companies, and I don’t think they’ve had what we’ve had through every storm, and that means the world.
This is our third hurricane in 13 months, and Security First Insurance has been our homeowner’s insurance through all of them. I’ve had a really good experience.
I have the best insurance company in the state. I know I do. Security First has been a delight to work with. They’re simply the best.
I barely even have time to think about it, and I’m getting another contact from Security First about the next step in the process.
Security First has always come through. There’s security in Security First.
You hear a lot of nightmares with insurance companies, but this was not one of them. Thank you Security First.
I was shocked how quickly Security First reached out. So very happy we picked Security First for our home insurance.
Protect Your Home Today
We stand behind every policy we write, storm after storm, year after year ®.
Our simple and convenient quote process makes it easy for you to get started. Take the first step towards protecting your most valuable asset by requesting a quote today.