Renters Insurance

Your Space. Your Belongings. Your Protection.

Renting a home, apartment, or condo doesn't mean your belongings are automatically protected. Renters insurance can help cover your personal property, provide liability protection, and assist with certain additional living expenses after a covered loss. At Arrington Insurance, we'll help you compare available policies and find coverage that fits your needs.

Get in touch.

Personal Property

Helps cover your belongings, including furniture, clothing, electronics, and other personal items, if they're damaged or stolen due to a covered event. Coverage may be based on replacement cost or actual cash value, depending on your policy.

Learn More

Personal Liability

Helps protect you financially if you're found legally responsible for certain injuries to others or damage to someone else's property. Coverage may also include legal defense expenses, subject to your policy's terms and limits.

Learn More

Loss of Use

May help cover additional living expenses, such as temporary housing and increased everyday costs, if a covered loss makes your rental home uninhabitable. Coverage limits and conditions apply.

Learn More

Your Landlord's Insurance Isn't Your Insurance.

Your landlord's insurance generally protects the building, not your personal belongings. If a covered fire, theft, or other unexpected event damages your possessions, you could be responsible for replacing them without your own renters policy.



Renters insurance can help protect your belongings while also providing valuable liability coverage. Whether you're renting an apartment, condo, or house, understanding the difference can help you avoid unexpected financial expenses.

Frequently Asked Questions

  • s renters insurance required in Florida?

    Florida law generally does not require tenants to carry renters insurance. However, landlords and property management companies may require it as part of a lease agreement. Even when it isn't required, renters insurance can provide valuable protection for your personal belongings and certain liability claims.

  • Does my landlord's insurance cover my personal belongings?

    Many boat insurance policies provide coverage for hurricane and named-storm damage, but the terms can vary significantly. Some policies have separate named-storm deductibles, navigation restrictions, or requirements for securing or relocating your vessel before a storm. It's important to understand these conditions before hurricane season, as failing to meet certain policy requirements could affect coverage.

  • Does renters insurance cover theft outside my apartment?

    Not always. Requirements vary by insurance company and the value of the item. Depending on the piece, the insurer may request an appraisal, receipt, photographs, or other documentation to establish its value.

  • Does renters insurance cover water damage or flooding?

    Renters insurance may cover certain types of sudden and accidental water damage, such as damage to your belongings from a covered plumbing failure. However, standard renters insurance generally excludes flooding caused by rising water, storm surge, or similar events. Separate flood insurance may be available to protect your personal belongings against covered flood losses.

  • How much renters insurance coverage do I need?

    The amount of coverage you need depends on the value of your belongings and your personal circumstances. Consider what it would cost to replace your furniture, clothing, electronics, and other possessions after a covered loss. You should also review your liability limits and whether your policy provides replacement cost or actual cash value coverage for personal property.

Make Your Rental Feel Like Home.

Your belongings, personal liability, and everyday living expenses deserve consideration, even when you don't own the property. At Arrington Insurance, we'll help you understand available renters insurance options and choose coverage that makes sense for your situation.