Renters Insurance
HO4 coverage that protects your belongings and your liability — for less than you might think. Peace of mind for Florida renters.
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What is HO4 renters insurance?
HO4 is a renters insurance policy designed specifically for tenants. It doesn't cover the building you live in (that's your landlord's responsibility) — instead, it protects what matters to you: your belongings, your liability, and your living expenses if something goes wrong.
Whether you're renting an apartment, house, or condo, renters insurance gives you financial protection against theft, fire, water damage from burst pipes, and many other covered events. Plus, it protects you if someone gets hurt in your rental unit.
Your coverage vs. your landlord's
Your landlord's insurance covers the building — but that's it. Here's what you need to know about protecting yourself:
Your Renters Policy
- Your personal belongings
- Personal liability protection
- Additional living expenses
- Medical payments to others
- Your improvements (paint, fixtures)
- Belongings stored elsewhere
Flood Insurance
Standard renters insurance does not cover flood damage. In Florida, renters flood insurance is available and affordable — we can help you get covered.
Landlord's Policy
- Building structure
- Landlord's appliances
- Common areas
- Landlord's liability
- Lost rental income
- Their property, not yours
What If Something Happens?
If there's a fire or break-in, your landlord's insurance won't cover your belongings. You need your own renters policy to protect your stuff.
Important: Many landlords now require proof of renters insurance before move-in. Even if it's not required, it's one of the best values in insurance — comprehensive protection for less than $20/month.
What does renters insurance cover?
Personal Property
Covers your belongings — furniture, electronics, clothing, appliances, and more. If they're stolen or damaged by a covered peril, your policy helps replace them at today's prices.
Personal Liability
Protects you if someone is injured in your rental or if you accidentally damage someone else's property. Covers legal fees and settlements up to your policy limits.
Additional Living Expenses
If your rental becomes uninhabitable due to a covered loss, this pays for temporary housing, meals, and other living expenses while you find a new place or wait for repairs.
Medical Payments
If a guest is injured in your rental, this coverage pays their medical bills regardless of fault — up to your policy limits. It's a goodwill coverage that helps avoid lawsuits.
Common questions about renters insurance
How much does renters insurance cost?
Renters insurance is one of the most affordable types of coverage. In Florida, most policies cost between $15-$30 per month, depending on your coverage limits and location. That's less than a streaming subscription for real financial protection.
Is renters insurance required?
While not legally required, many landlords now require proof of renters insurance before you can move in. Even if your landlord doesn't require it, it's highly recommended — the cost is minimal compared to the protection you get.
How much coverage do I need?
Take inventory of your belongings and estimate their replacement cost. Most renters have more stuff than they realize. We recommend at least $30,000 in personal property coverage and $100,000 in liability coverage as a starting point.
Does renters insurance cover my roommate?
Generally, no. Most renters policies only cover the named insured and their immediate family members living in the unit. Roommates typically need their own separate policies.
What about my belongings in my car?
Yes! Your renters insurance typically covers your belongings if they're stolen from your car. Your auto insurance covers the car itself, but your renters policy covers the laptop, golf clubs, or other items inside.
Does it cover my pet?
Your liability coverage typically extends to injuries caused by your pet. However, some carriers exclude certain dog breeds. Let us know about your pets and we'll find a policy that covers them.
Florida renters insurance carriers we work with
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Protect your belongings for less than you think. We'll find you the right coverage at a great price — usually in minutes.