SERVICES
Renters Insurance
Your landlord’s insurance covers the building—not your belongings. Renters insurance protects your furniture, electronics, clothing, and more for pennies a day.
Renting offers freedom: no roof repairs, no yard work, no major maintenance. But while your landlord is responsible for the structure, everything inside is yours to protect.
Your Landlord’s Policy
stops at the walls. If a fire, burglary, or burst pipe damages your personal belongings, their insurance will not pay a dime. That’s why renters insurance exists.
What renters insurance covers:
Personal belongings
Furniture, electronics, clothing, kitchenware, and more
Loss of use
hotel stays or temporary housing if your rental becomes uninhabitable
Liability protection
If someone is injured in your home and files a lawsuit
Medical payments
Minor injuries to guests, regardless of fault
Flood and hurricane damage are typically not covered under standard renters policies. In Florida, this is important to understand. You may need separate coverage or an endorsement depending on where you live.
How it works:
File a claim after a covered loss. The insurer investigates and reimburses you based on your policy type:
- Actual cash value pays what your items are worth today, after depreciation
- Replacement cost pays what it costs to buy them new
Renters insurance is affordable
Renters insurance is affordable—often less than a dollar a day—and invaluable when the unexpected happens. Whether you’re in a high-rise near Lake Buena Vista or a quiet apartment in Lake Hart, the right policy lets you rest easy.
