Renters Insurance in Miami, FL

Your landlord's insurance covers the building. It does not cover your furniture, electronics, clothing, or anything else you own, and it does not protect you if a guest is injured in your apartment or you accidentally cause damage to the building. Renters insurance does, and it usually costs less than a streaming subscription.

What tenant insurance covers

• Personal property: contents of your apartment or rental home
• Loss of use: hotel and living costs if the unit becomes uninhabitable
• Personal liability
• Medical payments to others
• Optional: scheduled coverage for jewelry, electronics, and other high value items

What Florida owners should know

Many Miami landlords and property managers now require renters insurance as a lease condition. Hurricane damage to your belongings is covered under a renters policy, subject to the policy's windstorm terms. Flood is not; if you rent on a ground floor in a flood prone area, a contents only flood policy is inexpensive.

Common questions

How much does renters insurance cost?

In Florida, most policies run between $15 and $30 a month depending on coverage limits and location.

Does it cover my roommate?

No. Each roommate needs their own policy unless they are named on yours.