Renters Insurance
Coverage That’s Simple, Affordable, and Personal
Renting in Florida brings real risks—hurricanes, theft, fire, and water damage can all strike unexpectedly. LIG Specialty Insurance helps renters protect what matters most with straightforward, affordable coverage and personal advice you can trust.
As a boutique, family-run agency, we often provide renters insurance as part of a full solution for business clients and their families—making it easy to manage all your protection in one place, with people who know your name.
What Does Renters Insurance Cover?
Personal Property
Replaces your belongings—furniture, electronics, clothes, bikes, and more—if they’re stolen, damaged, or destroyed by a covered event.
Liability Protection
Covers you if someone is injured in your rental or if you accidentally cause property damage.
Loss of Use
Pays for hotel bills or extra living expenses if your rental becomes unlivable after a covered claim.
Medical Payments
Helps with medical bills if a guest is hurt in your apartment or rental home.
Optional Coverages
Add-ons available for valuables, electronics, or identity theft protection.
We help you decide what limits make sense, explain your lease’s requirements, and show you how renters insurance works when it counts.
Who Needs Renters Insurance?
- Renters in Casselberry, Orlando, or Seminole County—especially those who want local, fast, and friendly service.
- Business clients and their families looking for one team to handle all their insurance.
- Students, young professionals, and families renting apartments, condos, or houses.
- Anyone whose landlord requires proof of renters insurance—or who simply wants peace of mind.
If you’re unsure whether your lease requires coverage, or how much to get, we’ll review your options and handle the paperwork for you.
Florida-Specific Considerations
- Hurricane & Water Damage Risks: Florida renters face unique risks—make sure your policy includes wind and water protection as needed.
- Flood Exclusion: Standard renters insurance doesn’t cover flood. We’ll check your location and discuss adding separate flood insurance if it makes sense.
- High Claim Frequency: Florida’s higher rate of property claims makes working with a local, responsive agency especially valuable.
LIG Specialty stays ahead of market changes and local risks, so your policy keeps up as your needs and the environment change.
Renters vs. Other Property Insurance
- Renters Insurance: Covers your belongings and liability if you rent your home—does not insure the structure.
- Homeowners or Condo Insurance: Covers the building itself—see our homeowners and condo pages for more info.
- Flood Insurance: Separate policy needed if you want flood protection.
Not sure what’s right for you? We’ll walk you through every step.
Frequently Asked Questions – Renters Insurance
Is renters insurance required in Florida?
It’s not required by law, but many landlords require it—and it’s strongly recommended for all renters.
How much does renters insurance cost?
It’s one of the most affordable policies—often less than $20/month. We find you the best value for your needs.
Does my policy cover roommates’ stuff?
No—each roommate should have their own policy for full coverage.
Can I add coverage for jewelry, bikes, or electronics?
Yes—let’s talk about what you own and customize your policy.
Why choose LIG Specialty for renters insurance?
Relationship-driven service, fast proof of insurance for landlords, and real help if you need to file a claim—never a call center.
Ready for Renters Insurance That Works for You?
Let’s review your needs, get you covered, and make sure your belongings—and your peace of mind—are always protected.