Renters Insurance

Your landlord's policy covers the building — not your stuff. Renters insurance protects everything inside.

What We Cover

Covers your belongings — furniture, electronics, clothing, and more — if stolen or damaged by fire, water, or other covered events.

Covers legal and medical costs if someone is injured in your rental unit and you're held responsible.

Pays for a hotel or temporary housing if your unit becomes uninhabitable due to a covered loss like fire or flooding.

Covers laptops, cameras, jewelry, and other high-value items — with optional scheduled coverage for expensive pieces.

Covers belongings stolen from your car, a hotel room, or storage unit — not just inside your apartment.

If your pet injures someone, renters liability coverage may cover medical and legal costs — depending on your policy.

The Value

More coverage than you think — for less than you'd expect

Most renters dramatically underestimate the value of their belongings. Add up your furniture, electronics, clothes, and appliances — it adds up fast. Renters insurance protects all of it for a surprisingly low monthly cost.

$15

avg. monthly cost

$30k

avg. belongings value

24 hour

quote turnaround

Sample Coverage Breakdown

Personal Property

$25,000

Liability Protection

$100,000

Loss of Use

$5,000

Medical Payments

$1,000

Est. monthly premium

~$12-$20/mo

The OakLine Difference

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

Does my landlord's insurance cover my belongings?

No. Your landlord's policy covers the building structure only — not anything inside your unit. If there's a fire, theft, or water damage, your belongings are your responsibility unless you have renters insurance.

Is renters insurance required in Florida?

State law doesn't require it, but many landlords and property management companies do require proof of renters insurance before you sign a lease. Either way, it's one of the smartest low-cost protections you can have.

What does renters insurance NOT cover?

Standard renters policies don't cover flooding (you'd need a separate flood policy), earthquake damage, pest infestations, or your roommate's belongings. We'll walk you through any gaps so there are no surprises at claim time.

How much renters insurance do I need?

Start by estimating the replacement value of everything you own — furniture, electronics, clothing, appliances. Most renters need $15,000–$30,000 in personal property coverage. Liability coverage of $100,000 is standard and worth having.

Can I bundle renters insurance with my auto policy?

Yes — and you should. Bundling renters and auto insurance with the same carrier typically earns you a discount on both policies. As an independent agency, we find you the best bundle options across multiple carriers.