Florida renters insurance

Whether you rent a high-rise apartment in Miami, or rent a house in Tampa, you could have renters insurance in Florida with Liberty Mutual for as little as $5 a month.¹

Not necessarily. While it's not required by the state, some landlords and property management companies require proof of rental insurance from tenants. When you buy renters insurance with Liberty Mutual, we'll help make sure you have the right documents to show proof of coverage.

Just like any other state, if you live in Florida, renters insurance protects your personal belongings from things like fire and smoke, vandalism and theft, and some natural disasters too.

It also protects you financially if a visitor to your home gets injured and takes legal action.

Let's look at some real-life examples:

• A kitchen fire damages your appliances and clothing in your Miami apartment, renters insurance could help cover replacements.
• Hurricane winds and flooding ruin your furniture and electronics in your Tampa rental house, renters insurance could help pay for repairs and lost items.
• A break-in results in stolen jewelry and a laptop from your Orlando apartment, renters insurance could help reimburse you for the loss.

The coverages below come standard with our renters insurance policies:

• Personal Property Coverage
• Liability and Medical Payments
• Additional Living Expenses

We also offer add-on coverages for renters in Florida who want more protection. These include:

• Personal Property Replacement Cost
• Blanket Jewelry
• Earthquake Damage

See all renters insurance coverage options

It's important to know that renters insurance doesn't cover you for floods. It also doesn't cover injuries or damages related to driving.

If you need car insurance, you can save money by bundling your auto and renters policies. Get a multi-policy quote for auto and renters and see how much you could save!

Find out how much you can save when you start your renters insurance quote.

View all renters insurance discounts