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Home > Renters Insurance - Florida Heritage Insurance

Renters Insurance


Renters Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Renters Quote Form

Renters Insurance Information

Renters Insurance

You need to protect yourself, your family and your possessions against the liabilities present within your home, even if you don’t own the dwelling itself. Renters, just like every other property owner, still have assets that deserve the security of strong insurance benefits. In this case, they will get those benefits by investing in renters insurance.

Renters insurance provides you with all of the coverage necessary to keep your possessions, assets and finances security even in the event of a problem that you didn’t see coming. With the help of the dedicated team of experts at Florida Heritage Insurance, you’ll be able to create a quality set of benefits that will always be there for you when you most need them.

If you’re ready to get renters insurance, then don’t wait. Call us at or request your policy quote today. It’s fast, free and no-obligation.

Common Renters Insurance Questions

How Does Renters Insurance Work?

Just like homeowners need home insurance to help them safeguard their assets and possessions against countless liabilities, so to do renters. A renters insurance policy ensures that you have the support you need in case of countless hazards like:

  • Fires, smoke, explosions or lightning

  • Vandalism or theft of property

  • Severe weather

  • Burst pipes

  • Lawsuits

  • Damage to the rented premises

However, the policy does not force you to carry coverage on the dwelling itself, which is not yours to protect, maintain or insure. Therefore, it offers you the benefits you need without requiring you to carry anything more than is necessary.

What Does Renters Insurance Cover?

All renters insurance policies can be customized to the needs of the tenant. They generally contain three types of coverage:

  • Possessions Insurance: This covers your belongings in your home in case they sustain unexpected damage. Your plan can pay you to repair or replace these items.

  • Liability Insurance: Someone might blame you for causing them harm or damaging their property. Even if the accident was a mistake, you might have a legal responsibility to repay that person. Liability coverage helps you do so and covers your legal expenses when lawsuits arise.

  • Loss Of Use Insurance: After a problem in your rental unit, you might have to temporarily move out. In this situation, you can use loss of use coverage to pay excess living expenses that might arise.

To further customize your benefits, you can invest in expanded coverage such as:

  • Scheduled personal property endorsements

  • Umbrella liability insurance

  • Pet liability insurance

  • Replacement cost contents insurance

Policies do not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

How Much Renters Insurance Do I Need?

There are several different coverage values included in the average renters insurance plan. You will need to select each coverage limit with care and attention to detail.

  • Your possessions insurance should reflect the cumulative value necessary to replace all important belongings following a total loss of property.

  • Liability coverage can help you protect your net worth in case of lawsuits or other legal challenges, so it is important to choose enough coverage to help you avoid a personal asset loss following a claim on your policy.

  • Your landlord might require you to carry minimum coverage, and your plan will have to contain at least these limits. You have the opportunity to increase this coverage to your advantage.

If you have questions about how to tailor your plan, get in touch with us. We’re happy to help you figure out how best to put together your coverage.

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Contact us 27544 Cashford Circle, Suite 102
Wesley Chapel, FL 33544

P: 813-803-7767
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