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Do you need renters insurance in Florida?

I’m taking a new job in Florida next month and getting ready to move into my new apartment soon. I’ve signed the lease, and now I’m wondering if I need renters insurance in Florida?

avatar
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your new position! While renters insurance isn’t required by law in
Florida
, your landlord may require you to purchase some anyway. If your landlord didn’t say anything to you and it’s not in your lease agreement, then you’re off the hook.
Renters insurance
is something you might want to consider getting anyway. The nice thing about renters insurance is that it’s one of the most affordable insurance options out there, with the national average being about $173 per year.
Here’s what a standard renters insurance policy usually covers:
  • Personal property
  • Loss of use
  • Personal liability
Check the
named perils
in your policy, too. If a type of disaster isn’t named, you likely won’t be covered in that instance.
On top of your rent, renters insurance can feel like a hardly-noticeable expense, but in the case of a burglary, fire, or natural disaster, odds are you’ll be pretty grateful for the protection it affords you.
If you’re ready to compare renters insurance options, the
Jerry
app can help you get started. After answering a few quick questions, you can compare quotes from top insurers to find the right policy for you at the best price. Jerry’s friendly, experienced agents are here to answer any questions you have, too.
View full answer 
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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