Renters
Renters Insurance in Florida
Florida Renters Insurance
You may not own the building—but everything inside is yours.
Whether you’re renting an apartment, condo, or home in Florida, your landlord’s insurance only covers the structure—not your belongings. If there's a fire, break-in, or water damage, replacing your personal property is your responsibility, unless you have renters insurance.
At Ted Todd Insurance, we help renters protect what they’ve worked hard for, while also covering unexpected liability and even high-value personal items. Renters insurance is affordable, flexible, and one of the smartest decisions you can make, especially in storm-prone Florida.
What Does Renters Insurance Cover?
Renters insurance is all about protecting your stuff and your liability. It gives you peace of mind knowing that if something goes wrong, you're covered. We can help you find the best renters insurance in Florida!
Here’s what it typically includes:
Key Renters Insurance Coverages
- Personal Property- Covers your belongings like furniture, clothing, electronics, appliances, and decor if they’re stolen or damaged due to a covered loss like fire, smoke, or a burst pipe. Coverage follows your items even outside the home (like if your laptop is stolen from your car). You can choose replacement cost or actual cash value depending on how you want to be reimbursed.
- Liability Coverage- Helps protect you if someone gets hurt in your rental or if you accidentally damage someone else’s property (like a water leak into the unit below). It can help cover legal costs, medical bills, and settlement fees.
- Scheduled Personal Property- High-value items like engagement rings, fine jewelry, collectibles, or designer bags may exceed the limits of standard personal property coverage. Scheduling these items on your policy ensures they’re protected for their full value with expanded coverage.
- Animal Liability- If your pet injures someone or causes property damage (especially in shared spaces like hallways or courtyards), this coverage can help protect you financially. Some carriers have breed exclusions, so let us know if you have a pet and we can help guide you accordingly.