What Does Renters Insurance Cover?

Renters insurance may provide several types of coverage to help protect you and your belongings, including:

Personal Property

Personal property coverage can help protect covered belongings such as furniture, clothing, electronics, and other personal items against certain covered losses.

Coverage limits and covered causes of loss vary by policy.

Personal Liability

Personal liability coverage can help protect you against certain claims involving bodily injury or property damage for which you may be legally responsible.

Coverage may also include certain related legal expenses, subject to the policy terms and limits.

Loss of Use

Coverage may be available for certain additional living expenses if a covered loss makes your rental home temporarily uninhabitable.

Coverage is subject to the policy terms, limits, and applicable conditions.

Who Needs Renters Insurance?

Renters insurance may be appropriate for Florida residents who rent an eligible:

• House
• Apartment
• Condominium
• Townhome
• Other residential property

Renters insurance can help protect your personal belongings and provide liability coverage even though you do not own the building.

Your landlord’s insurance generally covers the building and the landlord’s interests. It does not necessarily provide coverage for your personal property or personal liability.generally does not replace the need to consider coverage for your individual unit, personal property, and liability.