Renter’s Insurance in Florida | HO-4 Policy for Homes, Apartments & Dorms–even assisted living!

Renter’s Insurance in Florida

Renting a home, apartment, or condo in Florida offers flexibility — but without the right insurance, a single event could cost you thousands. Whether you rent a downtown apartment in Stuart, a mobile home in Port St. John, or a student dorm in Orlando, Renter’s Insurance (HO-4) protects what matters most: your personal belongings and your peace of mind.

At Barefoot Insurance Brokers, we help Florida renters secure affordable, comprehensive protection starting at around $10 per month, tailored to your lifestyle and living situation.

What Is Renter’s Insurance (HO-4)?

Renter’s Insurance is a policy designed for people who lease or rent a residence rather than own it. It covers your personal property, personal liability, and additional living expenses if you’re displaced after a covered loss.

Your landlord’s policy only protects the building structure — not your possessions inside. Without renter’s insurance, you’re responsible for replacing furniture, electronics, clothing, and valuables if they’re destroyed by fire, theft, or water damage.

A standard HO-4 policy from Barefoot Insurance Brokers provides:

  • Personal Property Coverage — Protects furniture, clothing, electronics, and household items.
  • Liability Coverage — Covers injuries or property damage you cause to others.
  • Loss of Use Coverage — Pays for temporary housing and living expenses if your unit becomes uninhabitable.
  • Medical Payments to Others — Covers small injuries sustained by guests in your home.

What Perils Does Renter’s Insurance Cover?

A renter’s policy protects against a wide range of common perils in Florida, including:

  • Fire and smoke damage
  • Theft or vandalism
  • Wind and hail damage
  • Burst pipes or plumbing leaks
  • Lightning strikes and power surges
  • Explosions or falling objects
  • Damage from vehicles or aircraft
  • Accidental overflow from appliances

While flood damage isn’t included in a standard renter’s policy, Barefoot Insurance Brokers can easily add a separate flood insurance policy for renters in flood-prone areas — ensuring you’re fully protected.

Renter’s Insurance for Every Type of Florida Tenant

Florida’s housing options are diverse, and so are your coverage needs. Barefoot Insurance Brokers provides HO-4 protection for:

Apartments & Condos

Ideal for tenants leasing units within multi-family or high-rise buildings. Protects your property and provides liability coverage for damage to neighboring units or common areas.

Single-Family & Mobile Homes

Even if your landlord insures the structure, your belongings need separate coverage. We also offer policies for renters in manufactured and mobile homes throughout Central and Coastal Florida.

Assisted Living Units

Seniors and retirees renting in assisted or independent living communities can benefit from renter’s policies that protect valuables, medical equipment, and personal liability.

College Dorms & Student Housing

Perfect for students in dormitories or off-campus apartments. Protects laptops, electronics, and personal belongings — even when away from home — at affordable student rates.

No matter where you live, renter’s insurance provides peace of mind that your possessions are protected from the unexpected.

Liability Protection for Renters

One of the most overlooked benefits of renter’s insurance is liability coverage. If a guest trips in your living room, or your pet accidentally damages a neighbor’s property, your HO-4 policy can cover the resulting injury or claim — including legal defense.

Barefoot Insurance Brokers helps renters choose the right liability limit, typically $100,000 to $300,000, with optional higher limits for additional protection. This coverage is essential for pet owners, students, or anyone entertaining guests at home.

Florida Weather & Environmental Risks

Living in Florida means enjoying sunshine and sea breezes — but it also means preparing for hurricanes, tropical storms, and flooding. Even inland areas experience water damage from heavy rain or sewer backups.

While standard renter’s policies exclude flood damage, Barefoot Insurance Brokers can help you add low-cost flood protection through private markets or FEMA’s NFIP program. Our agents will ensure your coverage includes all necessary perils for your specific location and building type.

How Much Does Renter’s Insurance Cost in Florida?

Renter’s insurance is one of the most affordable forms of protection available. Most Floridians can secure a solid HO-4 policy for $10–$25 per month, depending on factors such as:

  • Value of personal property insured
  • Deductible amount (commonly $500 or $1,000)
  • Location and building construction type
  • Security features (alarms, gated community, sprinklers)
  • Bundled discounts with auto or umbrella insurance

By combining your renter’s insurance with your auto or umbrella policy, you can unlock multi-policy savings — while simplifying your renewals and billing.

Why Choose Barefoot Insurance Brokers for Renter’s Coverage

As a local Florida insurance agency, Barefoot Insurance Brokers understands the risks renters face across the state — from humidity and hurricanes to theft and liability claims. Our independent status allows us to quote from multiple carriers, finding the most affordable coverage for your specific needs.

We provide:

  • HO-4 policies for apartments, homes, mobile units, and dorms
  • Fast, online quoting and policy issuance
  • Discounts for bundled home and auto packages
  • Local support when you need help filing a claim or updating coverage
  • Experience serving renters in Cocoa, Titusville, Port St. John, Stuart, Margate, Coral Springs, Boca Raton and throughout Florida!

Our mission is to protect Florida renters with the same care and attention we provide homeowners and business owners.

Get a Renter’s Insurance Quote Today

Don’t assume your landlord’s policy protects your belongings. Secure affordable renter’s insurance that keeps you covered from the inside out.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your renter’s insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — protecting Florida renters, one apartment at a time.