Your landlord's insurance covers the building, not your things. Renters insurance protects your belongings from theft, fire and other covered losses, and it includes liability protection if someone is hurt in your home.
It's one of the most affordable policies you can buy, and it often pairs well with an auto policy for a bundle discount.
What renters insurance can cover
- Personal property, at home or away
- Personal liability
- Medical payments to others
- Additional living expenses
- Optional scheduled jewelry or electronics
- Replacement cost coverage options
Good to know in Florida: Many Fernandina Beach and Yulee apartment communities require proof of renters insurance with a minimum liability limit. We can send proof directly to your property manager.
Renters Insurance FAQs
Is renters insurance required in Florida?
It isn't required by state law, but many landlords and apartment communities require it in the lease.
Does renters insurance cover my roommate?
Usually only people named on the policy are covered. Roommates generally need their own policy.
Does it cover flood damage?
No. Like homeowners policies, renters policies exclude flood. Contents-only flood coverage is available separately.