Renters insurance focuses on your personal belongings and liability while living in a rented home or apartment — coverage your landlord’s policy generally doesn’t provide. Infante Insurance Group works with a network of carriers to help renters across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore affordable options — in English or Spanish.
Coverage Options
A typical renters policy addresses a few core areas. Personal property coverage can help replace belongings after events like theft, fire, or certain types of water damage. Liability coverage can help if someone is injured in your rented home or you’re responsible for damage to someone else’s property. Additional living expense coverage can help with temporary housing costs if your rental becomes uninhabitable after a covered loss. Many policies can be structured around the value of your belongings and your building’s specific requirements.
Who May Need This
This coverage is worth exploring if you rent an apartment, house, or condo in Florida, your landlord or property management requires proof of renters insurance, or you want liability protection separate from your landlord’s building policy. It’s also relevant if you own valuable electronics, furniture, or other belongings you’d want to replace after a loss.
Where You're Covered
Apartment communities and property managers across fast-growing rental markets — from Miami-Dade, Tampa, and Orlando to Houston and Dallas — increasingly require proof of renters insurance as a lease condition. Florida’s hurricane season and Texas’s mix of Gulf Coast storms and inland severe weather both make it worth understanding how your policy addresses wind-driven rain and water damage while renting. A licensed agent can help confirm what your specific lease or building requires.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Florida doesn’t require renters insurance by law, but many landlords and property managers require it as a lease condition. Check your lease or ask your landlord directly.
Often Coordinated Together