Is renters insurance required in Florida?

Renters insurance isn't required by law in Florida. However, if you're moving into a building or rented home, your landlord could require it as a lease stipulation. Even if it's not contractually required, renters insurance is worth considering since it offers protection against liability and personal property theft or damage.

Florida renters insurance coverages

Check out the four standard coverages on nearly all Florida renters insurance policies:

  • Personal property protects your personal belongings, including furniture, clothing, and electronics.

  • Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

  • Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.

  • Medical payments to others pays for medical expenses due to a covered occurrence.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in Florida is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

  • Certain valuable items, like jewelry, art, and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.

  • Personal injury: May pay for legal fees and damages if you’re liable for slander or defamation.

  • Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in Florida

Weather-related damages are common in a peninsula like Florida, susceptible to hurricanes and hard rain. Your Florida renters insurance policy may pay for damaged personal belongings from a covered peril, up to your policy’s limits.

Are you moving and wondering how to insure your belongings while they're in transit? Learn more about insurance for your property while moving or in storage.

Discounts on Florida renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Florida, such as:

  • Multi-policy

  • Quote in advance

  • Pay in full

  • Secured/gated community

See more of our available renters insurance discounts.

What does Florida renters insurance cost?

You can buy Florida renters insurance for less than $1/day.* Many components influence the cost of renters insurance in Florida, including your location and coverage limits. Learn more about renters insurance cost factors.

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