Florida Renters Insurance Information
We offer affordable renters insurance policies that have flexibility to meet your individual needs and above all, provide
you with the security that comes only from the knowledge that your home is safe. If you live in an apartment or a
rented house, a Florida renters insurance policy covers you and your possessions. A standard renters insurance
policy protects your personal property in many cases of theft or damage, and may pay for temporary living expenses
if your rental is damaged so seriously you can't live in it. It can also protect you from personal liability.
The standard Florida renters insurance policy covers the actual cash value of personal property. Payments are
based on the replacement cost of the property minus a deduction for physical depreciation and obsolescence. If you
add replacement cost coverage (for an additional premium), the insurance company will pay one of the two amounts
below, whichever is lower?
Click on the link below to fill out a secure quote request form for a Florida Renters Insurance policy that will provide
excellent insurance coverage at an affordable cost. Or you can speak with one of our Florida Renters Insurance
agent specialists at (352) 686-0612 or (727) 863-5641 to discuss the insurance policy features in more detail.
We are a Florida based insurance agency offering affordable Florida renters insurance policy premiums in the
following cities and counties In Florida: Spring Hill, Hudson, New Port Richey, Holiday, Brooksville, Aripeka, Bayonet Point,
Port Richey, Gulf Harbors, Elfers, Anclote, Tarpon Springs, Palm Harbor, Land O' Lakes, Masaryktown, Garden Grove Estates,
Spring Lake, Weeki Wachee, Bayport, Brooksville, Istachatta, Pineola, Nobleton, Bushnell, Sumterville, Center Hill, Webster,
Linden, Mascotte, Tarrytown, Ridge Manor, Catherine, Trilby, Lacoochee, Dade City, Blanton, San Antonio, St. Leo,
Zephyrhills, Crystal Springs, Wesley Chapel, Pasco, Darby, Odessa, Richland, Lumberton, Homosassa Springs, Hernando
County, Pinellas County, Citrus County, Hillsborough County, and Pasco County, FL. We can also offer our Florida renters
insurance coverage services throughout the sunshine state, including Winter Haven, Lakeland, Miami, Orlando, Tampa, St.
Petersburg, Tallahassee, Ft. Lauderdale, and Jacksonville.
1. The cost to replace the property with a similar type and quality of property without a deduction for depreciation.
2. The full cost to repair at the time of the loss.
Florida renters insurance policy is a popular form of personal insurance and usually contains four sections: C, D, E,
and F:
Coverage C - protects your personal property, (e.g. furniture, CDs, stereo and clothes). You choose a dollar amount
limit (what you think your possessions are worth) when you purchase a Florida renters insurance policy.
Coverage D - covers loss of use - the expenses you face when your apartment can't be used due to an insured loss.
This is usually 20% of your personal property limit.
Coverage E - covers your personal liability claims and suits for bodily injury or property damage. You choose this
limit when you purchase the Florida renters insurance policy.
Coverage F - pays for medical expenses for minor injuries to others even if you were not at fault. The policy normally
includes limits of $1,000 per person.
A Florida renters insurance policy covers "named perils" listed on your policy and usually include the following:
Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft, Vehicles, Smoke, Vandalism, Falling objects,
Weight of ice, snow, or sleet, Accidental discharge or overflow of water or steam, Sudden and accidental tearing
apart, cracking, burning, or bulging, Freezing, Sudden and accidental damage from artificially generated electrical
current , Volcanic eruptions (doesn't include earthquake or tremors)
**The information, pictures, and other content in this website about particular insurance services is only provided for
informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent.
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Serving Pasco & Hernando Counties Since 1975
Florida Renters Insurance Policy Information
Hernando County FL / Pasco County FL
(352) 686-0612
(352) 519-4202 fax
11007-11009 Spring Hill Dr.
Spring Hill, Florida 34608
Hernando County FL
also Brooksville
(352) 796-0007

In Pasco County Florida
Hudson (727) 863-5641
also New Port Richey
(727) 862-3287 and
Holiday (727) 863-5642
Fax: (727) 233-1718