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What does renters insurance cover in Florida?
I live in Florida, and every time a storm blows through I get super anxious. I’m not sure if my renters insurance offers any protection against hurricanes and floods. What does renters insurance cover in Florida?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Natural disasters can be scary—it makes sense that you’re anxious!
A standard renters insurance policy in Florida covers your personal possessions from covered risks like wind storms, fire, and theft—but it does not normally cover flood-related damage.
Hurricanes are a part of life in Florida, unfortunately. Renters and homeowners have to think ahead about the best way to protect their property if a terrible storm hits.
A standard renters policy offers protection against a short list of common threats. However, the standard policy varies from company to company—and by region. In some areas, a natural disaster is so common that it is excluded from a basic policy. Florida renters don’t usually have flood protection, for instance, and California renters usually don’t have wildfire protection.
To figure out whether you have enough coverage, start by reading your policy closely.
Look to see how much coverage you have for
wind
. This coverage gives you some protection from hurricane winds. Great!Now, look for the section on water damage. You may discover that your policy limits coverage to “non-flood” water damage. If so, you can buy an additional policy from FEMA for renters flood insurance.
Insurance can be stressful. We get it. Instead of stressing about the unknown, get help navigating the insurance process. If you need help finding a
renters insurance
policy or understanding flood insurance, reach out to Jerry
. Our agents can answer questions and help you understand your coverage. If you’re looking for a new policy, our free app is the best way to quickly compare rates from multiple companies, saving you money and time.Hope this helps!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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