What it may cover
- Personal belongings against theft, fire, and other covered perils
- Liability if a guest is injured in your rental
- Loss of use if your apartment becomes uninhabitable
- Medical payments to others, regardless of fault
- Personal belongings even when they're away from home
- Wind and hurricane-related damage to belongings, subject to policy terms
- Additional living expenses if you're temporarily displaced by a covered loss
Who it's for
- Apartment and house renters
- College students living off-campus
- Tenants required by a lease to carry liability coverage
- Seasonal residents renting a unit in Miami for part of the year
- Renters in buildings with a history of water intrusion or storm exposure
Why it matters
A landlord's insurance does not cover your furniture, electronics, or clothing, and many leases now require tenants to carry their own liability insurance. Hurricane season adds another layer of risk in South Florida: an evacuation order or storm damage to your building can leave you needing temporary housing, which is exactly what loss-of-use coverage is built for.
Common coverage options
Replacement cost
Pays to replace belongings at today's prices, not depreciated value.
Actual cash value
Lower premium that accounts for depreciation on claims.
What affects the price
- 01Total value of belongings to insure
- 02Liability limit selected
- 03Location and building type
- 04Deductible amount
- 05Storm and windstorm risk factors of the building
Questions to ask before buying
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Frequently asked questions
Coverage details depend on the carrier, selected policy, applicable state laws, underwriting criteria, and specific exclusions. This content is for informational purposes only and does not constitute legal or financial advice.
