Renters Insurance in Florida – The Marcus Group

Why Renters Insurance Matters in South Florida

When renting a home, apartment, or condo, your landlord’s insurance won’t cover your belongings or liability. In fact, many Florida landlords now require renters insurance before signing a lease.


At The Marcus Group, we make renters insurance simple and affordable for tenants in Florida. From personal property protection to liability coverage, our policies give you peace of mind in your rental home.

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renters INSURANCE

What Our Renters Insurance Covers

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Personal Property Coverage

Protects your belongings — furniture, electronics, clothing, and valuables — from risks like fire, theft, and storm damage.

Liability Coverage

Provides financial protection if someone is injured in your rental or you accidentally cause damage to others’ property.

Additional Living Expenses

Covers hotel stays, meals, and other costs if your rental becomes uninhabitable due to a covered loss.

Helps pay medical expenses if a guest is injured in your rental.

Medical Payments Coverage

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Common Add-Ons & Options

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Flood Insurance Add-On

Standard renters policies don’t cover flooding. We can add protection for South Florida’s high-risk flood zones.

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High-Value Item Endorsements

Extra coverage for jewelry, collectibles, or electronics that exceed standard limits.

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Identity Theft Protection

Coverage for expenses related to identity theft and fraud.

Who Needs Renters Insurance in Florida?

  • Apartment Renters – Protect your personal property and liability in shared buildings.

  • Condo Renters – Coverage for belongings not included in the landlord’s policy.

  • College Students & Young Professionals – Affordable protection for first-time renters.

  • Families Renting Homes – Ensuring security for belongings and liability.

Local Risks to Consider

Living in South Florida comes with unique risks that make renters insurance essential:



  • Hurricanes & Flooding – High potential for damage to belongings.

  • Theft & Vandalism – Common in both urban and suburban rental communities.

  • Landlord Requirements – Many property managers require proof of renters insurance.

FAQs – Renters Insurance in Florida

  • Is renters insurance required in Florida?

    Not by law, but many landlords require it before you move in.

  • Does renters insurance cover flooding?

    No. Flood insurance is separate. We can help secure it for Broward and Palm Beach tenants.

  • How much does renters insurance cost?

    It’s one of the most affordable insurance policies, often less than a dollar a day.

  • What if I own expensive items like jewelry or electronics?

    You can add endorsements to increase coverage limits for high-value property.

  • Can roommates share a renters insurance policy?

    Generally, no. Each tenant usually needs their own policy unless they are family.

Protect Your Belongings with Confidence

Get the Right Renters Insurance in Florida

At The Marcus Group, we’ve helped renters in South Florida safeguard their belongings and liability for decades. With local expertise and access to top carriers, we’ll help you find the right coverage at the right price.