Florida First Insurance of Broward — Home 877-FL-INS-ME

Florida Renters & Tenant Insurance

Renting in Florida comes with a coverage gap most tenants don't think about — the landlord's policy covers the building, but not your belongings, not your personal liability, and not the cost of staying somewhere else if a fire or storm makes the unit unlivable for a few months. We bind contents, liability, and additional-living-expense coverage on a simple application, with optional scheduled coverage for jewelry, cameras, instruments, and bikes if you have them.

Get Your Free Renters Insurance Quote

Renters in Florida — apartment dwellers, condo renters, single-family rental tenants, and the large student-renter population near UF (Gainesville), FSU (Tallahassee), UCF (Orlando), USF (Tampa), FIU (Miami), FAU (Boca Raton), and NSU (Davie) — buy HO-4 policies for personal property, additional living expenses, and personal liability. Florida First Insurance of Broward writes HO-4 with admitted carriers at competitive rates, often under $200 a year for typical contents limits.

The two coverages people most often under-buy on an HO-4 are loss-of-use (which pays rent and meals when a covered loss makes the unit uninhabitable — this is real money during a 6-month rebuild) and personal-liability with medical payments (which covers the dog bite, the slip-and-fall guest, and the apartment-fire-spread liability that lots of leases assume the tenant carries). Scheduled-property endorsements for jewelry, cameras, and bikes round out most placements.

Renter policies bind for tenants in Miami-Dade, Broward, and Palm Beach in the southeast; Collier and Lee on the Gulf; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco around Tampa Bay; Polk, Orange, and Seminole on the I-4 axis; Brevard and Volusia along the Atlantic; Alachua, Marion, and Duval through North Florida (with high student-renter concentration in Alachua); and Leon and Escambia in the Panhandle (Tallahassee being the other major student market).

Renters insurance is open to tenants in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Renters & Tenant Insurance Cover?

  • Personal Property — Covers your belongings (furniture, electronics, clothing) against theft, fire, water damage, and other covered perils.
  • Liability Protection — Covers legal and medical costs if someone is injured in your rental unit or you accidentally damage someone else's property.
  • Additional Living Expenses — Pays for temporary housing if your rental becomes uninhabitable due to a covered loss.
  • Medical Payments — Covers minor medical bills for guests injured in your rental, regardless of fault.