Renters Insurance in Fort Myers, FL

Protect Your Belongings with Affordable Coverage

Our renters insurance policies provide comprehensive coverage, affordable rates, and local expertise, ensuring your belongings and peace of mind are secure.

Discover What Renters Insurance in Florida Covers

Renters insurance (often called HO-4 insurance) is your personal safety net, covering what your landlord’s policy won’t. Here’s how we safeguard your belongings and rental life:

What’s Covered

Required by Florida Law

Personal Belongings

Offers replacement coverage for furniture, electronics, clothing, and more if damaged, stolen, or vandalized.

Liability Insurance

Protects you from legal expenses or medical costs if someone is injured in your rental or if you’re at fault elsewhere.

Temporary Living Expenses

Pays for temporary housing if your rental becomes uninhabitable due to a covered disaster.

Living in Fort Myers, with its tropical weather, rental perks, and unpredictable risks, makes having the right Renters Insurance in Florida essential.

What’s Not Covered

Here’s a quick overview of common exclusions in Florida renters insurance policies:

Flood Damage

Policies exclude water damage from storm surges or rising waters—separate flood insurance is required.

Wear and Tear

Damage from aging or lack of maintenance, like worn-out furniture, isn’t covered.

High-Value Items Above Limits

Jewelry, electronics, or collectibles exceeding policy limits are only partially covered unless extra protection is purchased.

Exceeding Policy Limits

Claims above the maximum payout leave you responsible for additional costs.

Business-Related Losses

Losses tied to home-based businesses, including injury claims, aren’t covered.

Renters should review their policy carefully and ask their insurer about add-ons or alternative solutions to fill these gaps for full peace of mind.

Renters Insurance Coverage Options

Comprehensive Coverage for Your Rental Life

Your rental isn’t just a space—it’s where memories are made, dreams are nurtured, and life unfolds. That’s why it’s so important to protect your belongings against the unexpected. At Cassidy Insurance Group, we understand the unique needs of Florida renters and offer the following coverage options to keep your possessions safe:

Personal Property Coverage

Your belongings matter. Personal property coverage protects your possessions—like furniture, electronics, clothing, and more—from theft, fire, vandalism, or certain natural disasters. Whether it’s a break-in or a storm, your things are covered.

Liability Protection

Accidents can happen, but you shouldn’t have to face them alone. If someone gets injured in your rental or you’re at fault for damage elsewhere, liability protection helps cover legal fees, medical bills, and other expenses. From a guest’s slip to a kitchen mishap, you’re backed by reliable coverage.

Additional Living Expenses (ALE)

If your rental becomes uninhabitable due to a covered loss, ALE coverage ensures you don’t have to worry about where you’ll go. This coverage pays for temporary living costs—like hotel stays, meals, or rent—while repairs are being made, providing peace of mind during tough times.

Pick the coverage that works for your rental life and live with complete peace of mind.

Pick the coverage that works for you and Live with complete peace of mind.

FAQ

People Ask:

What is the average cost of renters insurance in Fort Myers, Florida?

The average cost of renters insurance in Fort Myers is highly affordable, typically ranging from $10 to $20 per month ($120–$240 annually) for $15,000–$30,000 in personal property coverage and $100,000 in liability. Rates vary based on factors like your rental’s location, the value of your belongings, and your claims history. Fort Myers’ proximity to coastal risks may slightly increase premiums, but they remain lower than the national average of $15–$30/month due to the smaller scope of coverage compared to homeowners insurance. Contact us for a personalized quote to get the best rate for your needs.

What does renters insurance cover in Fort Myers, Florida?

Renters insurance covers your personal belongings (e.g., furniture, electronics) against theft, fire, vandalism, and certain disasters, plus liability for injuries or damages you cause, and temporary living expenses if your rental becomes uninhabitable. It does not cover floods—common in Fort Myers—so we recommend adding flood insurance.

Why is renters insurance important in Fort Myers, Florida?

Fort Myers’ hurricane season, flood risks, and higher theft rates in rental areas make renters insurance a must. It protects your belongings and shields you from liability, ensuring you’re not left paying out of pocket for unexpected losses.

Do I need flood insurance with renters insurance in Fort Myers, Florida?

If you’re in a flood-prone area near the Gulf or Caloosahatchee River, yes—standard renters insurance excludes flood damage. We can help you add affordable flood insurance to protect your belongings.

Need Help? We're Here for You!

Got questions about your coverage options or need help finding the right plan? Don’t go it alone—reach out today and let us guide you to the coverage and peace of mind you deserve.