Understanding Florida renters insurance


While most people are familiar with the process for purchasing automobile insurance, life insurance, health or dental insurance, and homeowners insurance, there are still some people out there that have never purchased Florida renters insurance and aren’t all that sure about whether or not they should.

Florida renters insurance is absolutely critically important if you do not own the property where you live, as it gives you complete and comprehensive coverage in the event of an emergency situation that could leave you in a sticky place moving forward.

Hopefully this quick guide gives you all of the information you need to determine whether or not you need Florida renters insurance, what that type of insurance will provide, and how you find the best available policies in our great state of Florida.

Can you rent an apartment without Florida renters insurance?

It’s almost impossible to give a universal answer to this question, so it is a very qualified yes that you can rent on apartment without ever carrying Florida renters insurance.

It’s certainly not recommended, but you definitely can do it if you have to.

The reason that this is a qualified answer is that there are some rental apartment complexes or agencies that will refuse to rent an apartment or property to someone that isn’t carrying Florida renters insurance – though you’ll have to investigate this would be particular service or company that you are hoping to rent with.

All in all, the majority of places to rent are available without carrying Florida renters insurance – but as you’ll soon learn, that’s not exactly the smartest way to go about doing things.

What does Florida renters insurance cover?

Florida renters insurance policies are offered in two specific “types” – the first more of a general coverage with the second be more of a liability coverage.

The general coverage is going to protect your personal possessions and property from theft or damage, regardless of how they come to be stolen or damaged – provided that they are in or on the property that you are renting.

The liability coverage, however, is going to protect you from financial troubles stemming from people that are injured while visiting your apartment. As we all know, medical costs (legal costs) can quickly begin to add up into the hundreds of thousands of dollars almost instantly – which is one of the biggest reasons why you’ll want this kind of coverage in your back pocket.

How do I find the best Florida renters insurance?

Finding the best Florida renters insurance isn’t all that difficult, provided that you know where to search.

The Internet (and Google in particular) is going to be your best friend, as a quick search for “Florida renters insurance” will provide you with literally hundreds and hundreds of thousands of results to comb through in a few seconds. If you want to save time you can visit YourFloridaInsuranceQuotes.com and get a quote from every available provider. Spent 30 or 40 minutes researching this, and you’ll find at least 10 or 15 services in your local area – and nationally – that you can lean on to get this kind of coverage.

Do you really need Florida auto insurance? The answer is definitely yes!


Why Florida Auto Insurance Matters

Florida auto insurance is essential. Your car is one of the most significant investments you’ve made in your life. Whether you’re purchasing a car for the first time, or if you’ve been through a few cars over the course over the course of your life, Florida auto insurance is a must.


No one likes to think about the possibility of an auto accident, or of something unfortunate happening to their vehicle. However, what you don’t want to do is find yourself in an unfavorable position. You don’t want your car to be damaged, and have absolutely no way to pay for the repairs. You don’t want your car to be destroyed, with no method of having the vehicle replaced or potentially put back together. If anything happens to your car, you want to be covered. If something should happen that involves another individual, then you’ll want insurance that can cover their damage and/or medical bills.


Again, no one likes to think about these things, but they’re still possibilities that should be taken seriously. Keeping them in mind will maintain the sense of urgency that goes into choosing the best possible Florida auto insurance provider like http://YourFloridaInsuranceQuotes.com.


Florida Auto Insurance FAQ

If you’re new to shopping for Florida auto insurance, or if you suspect that you’re not getting the kind of coverage you really need, you probably have a wide range of questions. Understanding even the basics of such questions will go a long way towards helping you realize just how important comprehensive Florida auto insurance really is:


  • Do I really need Florida car insurance? You most certainly do. Auto insurance in the state of Florida is mandatory. If you happen to be registering a vehicle in the state for the first time, this is something you must keep in mind.
  • What type of insurance am I going to need? With a valid Florida driver’s license, there are two types of insurance you’re going to need. Remember that there are minimums for both insurance types. You’re going to need Personal Injury Protection insurance (PIP), which has a minimum of 10 grand. You’re also going to need Property Damage Liability (PDL), which also carries a 10 thousand dollar minimum.
  • Can I really get by on the absolute minimum? Some people do, but most Florida residents find that it’s best to get insurance that goes beyond the minimums mentioned above. When an accident or other type of incident occurs, you’re going to want to know you’re covered to the best of your financial and personal abilities. Having good insurance means you’ll have one less thing to worry about, if anything goes wrong.
  • How do I find the right Florida auto insurance company for me? It’s not as hard as you think. Look at reputation, customer reviews, and the types of insurance that are offered. It’s clear that this is one area in which you definitely don’t want to skimp on research.

About Federated National Insurance


Based out of Florida, Federated National Insurance has been serving individuals for over twenty years. Their reputation in the insurance community is a strong one, and that’s not something that happened by accident.


Florida Insurance Providers

When looking for an insurance provider in the state of Florida, it’s just common sense to be a smart shopper. There are a number of providers serving the state. For someone choosing a carrier for the first time, finding the right one can be difficult unless you visit YourFloridaInsuranceQuotes.com. It would seem that Federated National Insurance does an excellent job of meeting the needs of its customers.


When looking for an insurance company you can rely on for just about anything, there are several questions you should ask yourself:


  • How long has this company been in business?
  • What types of insurance do they offer?
  • What is their reputation with past and present customers?
  • What is their standing with the Better Business Bureau?
  • Am I going to get the kind of personalized attention I need?
  • Do they make navigating the tricky waters of insurance as easy as possible, or even more complicated?
  • Can I afford what they’re selling?


Asking these questions will ensure you find a company that’s right for you. A little research into Federated National Insurance will reveal that they answer all of those questions in the most positive way possible. For over 20 years, they have been providing individuals from all walks of life with the kind of insurance protection they need to feel secure. More to the point, they have been able to do this at rates that are extremely affordable.


Federated National Insurance Information

In case you were wondering, Federated National Insurance has an A+ rating from the Better Business Bureau. Since 1992, they have impressed both insurance experts and customers alike with their range of insurance packages, their customer service, their prices, and their knowledge into the various types of insurance they offer.


The company currently offers the following insurance types:


  • Homeowners insurance: Insurance designed to protect virtually all types of homeowners.
  • High value homes insurance: Insurance that protects those who have homes that are extremely high in value.
  • Condo insurance: Insurance that protects condo owners.
  • Flood insurance: Flooding isn’t uncommon in the state of Florida, and it makes sense to have the best protection possible.
  • Umbrella liability insurance: This is an insurance type that protects the carrier from a wide array of liability-related issues that may arise.
  • General liability: This will insure your business is properly protected.
  • Inland marine insurance: This protects businesses that have to constantly transport their tools and other essential equipment.
  • Works comp insurance: This will make sure your employees are protected.


There are a number of insurance types the company underwrites, including commerical general liability and personal auto. The main thing to take away from this company is that it has a well-established history of giving people the kind of personalized, essential, multi-level insurance they need. Nothing could be more important than that.