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Is renters insurance mandatory in Florida?
My friend’s landlord says she is required to have renters insurance. But I’ve heard that it isn’t required in any state. Help me out—is renters insurance mandatory in Florida?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No, renters insurance is not legally mandated by the state of Florida. However, landlords can require that their tenants carry renters insurance.
It’s confusing, we know!
Your friend’s landlord is allowed to require her to have a renters insurance policy as a condition of leasing a unit to her. A landlord can require a specific threshold for coverage, too. However, a landlord cannot randomly change the terms of a lease.
Read your lease carefully, whether you’re looking for a new apartment or you already have one.
Here’s how it usually works.
Usually, the renters insurance requirement is made known to applicants during the application process. It may not be communicated verbally, so read the fine print closely. A tenant typically has conditional approval, followed by a few days to find a renters policy. When it’s time to sign the lease, the renter provides proof of insurance and then receives the keys.
Ultimately, if there is a renters insurance requirement in your signed Florida lease agreement—even if you didn’t see it and no one told you—the landlord can ask you to provide proof at any time.
The average monthly cost of renters insurance in Florida is $16. If your friend is willing to buy a policy now that she’s in the loop, hopefully, the landlord will be accommodating. It’s costly for a landlord to find a new tenant and we doubt your friend wants to move.
However, if your friend does not want to pay for renters insurance, she may need to live somewhere else.
We hope this was helpful!
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