Question 1

How much does renters insurance cost in Florida?

Accepted Answer

The cost depends on your address, personal-property limit, liability limit, deductible, claims history, and optional endorsements. It is often one of the more affordable personal insurance policies, and B & B can compare available options for your situation.

Question 2

Does renters insurance cover flood damage?

Accepted Answer

Standard renters insurance does NOT cover flood damage. If you live in a flood-prone area of South Florida, you may need a separate flood insurance policy. Our agents can help you determine your flood risk.

Question 3

What does renters insurance NOT cover?

Accepted Answer

Renters insurance typically doesn't cover floods, earthquakes, your roommate's belongings, intentional damage, or pest infestations. High-value items like expensive jewelry may need a scheduled personal property endorsement.

Question 4

Do I need renters insurance if my landlord requires it?

Accepted Answer

Many landlords in South Florida now require renters insurance as part of the lease agreement. Even if it's not required, it's an affordable way to protect yourself. Our agents can provide proof of insurance for your landlord.