Renters Insurance in Florida

Florida Heritage Insurance, LLC is your trusted source for personalized insurance benefits. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.  

As a renter, you need to insure your property and assets appropriately. We offer renters insurance policies that are adaptable to any policyholder’s needs, and we’ll work with you to ensure you always pay an optimized price for your coverage.  

To get your renters insurance policy today, call us at 813-803-7767 or request your free quote now!  

Common Renters Insurance Questions

 

What is renters insurance?  

No dwelling or resident is safe 100% of the time. All are susceptible to various household hazards like fires, weather damage, break-ins and even lawsuits brought by someone they negligently harmed. Any of these hazards could be exceptionally costly even in the smallest circumstances.  

You shouldn’t have to worry about how you will pay for your recovery costs resulting from these setbacks. Your renters insurance will ensure that you receive the financial assistance you need to recover. You won’t have to spend valuable personal funds to rebuild your life, and that is a big weight off your shoulders in the end.  

What is the difference between homeowners and renters insurance?  

Homeowners and renters insurance look a lot alike, but the latter is designed only for those who rent, rather than own their homes. The policy won’t burden the tenant with coverage that is only necessary for the dwelling’s owner to carry. However, both plans can help you substantially reduce your out-of-pocket burden following unexpected, unavoidable accidents in the home.  

What does renters insurance cover?  

Renters insurance differs from homeowners coverage is that it does not offer structure coverage, since the tenant does not own the dwelling where they reside. Most renters plans offer at least:  

These plans can be further tailored with specialized benefits like:

Is renters insurance required?  

Tenants often face requirements to buy renters insurance. Typically, landlords require their renters to purchase policies because by doing so, the renter reduces the landlord’s liability for losses that might occur in the home. Landlords must still purchase their own coverage for home itself.  

How much do policies cost?  

Multiple factors could influence the cost of your renters insurance, including:  

Our agents are committed to helping clients get the customized policies that are perfect for them. That’s why we’ll work one-to-one with you to determine the best ways to get your residence the coverage it deserves, but at prices you can afford.