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Florida Renters Insurance That Covers What Matters Most

Renting in Florida? Protect your furniture, electronics, and valuables with flexible renters insurance—built for real life, real budgets, and real peace of mind.

What Our Renters Insurance Covers

Florida renters insurance isn’t just for worst-case scenarios—it’s for everyday peace of mind. Our policies are designed for apartments, condos, and rental homes across the state.

Personal Property Coverage

Protects clothing, electronics, furniture, and valuables from fire, theft, and storms.

Liability Protection

Helps pay for injuries or property damage you’re legally responsible for, even away from home.

Loss of Use

Covers extra living expenses if your rental becomes uninhabitable after a covered event.

Guest Medical Payments

Pays for medical bills if a visitor is hurt in your rental.

Optional Valuable Items & Endorsements

Extra coverage for jewelry, collectibles, bikes, or electronics.

Why Renters Insurance Matters in Florida

Florida’s weather and rental market create real risks for tenants—hurricanes, flooding, break-ins, and unexpected events. Florida renters insurance covers more than just your stuff—it’s protection for your lifestyle.



  • Covers Gaps Your Landlord Won’t
    Landlord insurance only covers the building. You need renters insurance to protect your own property and liability.

  • Affordable, Flexible Options
    Most policies cost less than $1 a day, and you choose coverage amounts that fit your needs.

  • Statewide Expertise
    Serving renters from Sunrise to Tampa, Orlando to Naples, and everywhere in Florida.

  • Easy Claims, Local Service
    Fast, friendly help from a family-run agency since 1993.

RENTERS INSURANCE

Frequently Asked Questions

  • Is renters insurance required in Florida?

    Some landlords require it, but even if they don’t, renters insurance is highly recommended for protecting your personal property and liability.

  • What does Florida renters insurance cover?

    Policies cover your belongings against risks like fire, theft, and storms—plus liability and additional living expenses.

  • How much renters insurance do I need in Florida?

    It depends on the value of your belongings and your budget. We’ll help you choose the right amount for your situation.

  • Does renters insurance cover flood damage in Florida?

    Standard renters insurance does not cover floods. Ask about adding flood coverage if you live in a high-risk area.

  • How can I get a renters insurance quote in Florida?

    Contact us online or by phone for a fast, free renters insurance quote tailored to your Florida rental.

Protect Your Rental Home or Apartment Today

Don’t risk losing everything to an unexpected disaster. With American Insurance Agency, you get affordable renters insurance quotes in Florida, coverage built for apartments, condos, and rental homes, and fast, personal service from a family-run team. Ask about options for bundling and discounts, and take the next step to protect what matters.

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