Florida renters insurance

Personal property protects your personal belongings, including furniture, clothing, and electronics, whether they're inside your apartment or elsewhere

Loss of use helps cover costs associated with an increase in living expenses up to your policy's limit if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss

Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property

Medical payments to others pay for medical expenses due to a covered occurrence

Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.

Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.

Water backup coverage: Water that backs up through sewers or drains, or discharges from a sump pump may not be covered by a standard renters policy. Water backup coverage may pay for the damage to your belongings and water removal costs.

Some household items are stolen from your apartment complex's storage space. Personal property coverage may pay to replace them, up to your coverage limit.

A fire in your apartment building forces you to move out of your unit while repairs are made. Loss of use coverage may pay for your hotel stay, up to your coverage limit.

A visitor is injured at your residence. Medical payments coverage may pay their medical bills, up to your coverage limit.