Renters Insurance
Your Stuff. Your Liability.
Your landlord's policy covers the building — not your belongings, not your liability, not your hotel bill when the unit floods. Renters insurance costs less than your Netflix subscription and covers everything the landlord won't. Bulls Insurance Group makes it fast, local, and affordable.
#1
Hurricane State
Florida leads the nation in named storms. Loss of use coverage is critical when your unit takes hurricane damage.
$15/mo
Average Renters Premium
Most Florida renters can get strong coverage for $15–$25/month. Yet over 60% of renters have no insurance at all.
60%+
Uninsured Renters in FL
If a fire or theft wipes out your belongings, there's no safety net without renters insurance. Your landlord's policy covers the building — not your stuff.
Required
Flood Is Separate
Renters in flood zones should add a separate flood policy. Bulls helps renters get both standard AND flood coverage in one conversation.
What Renters Insurance Actually Covers
More than most renters realize — your belongings, your legal liability, your hotel bill, and more.
Personal Property
Covers your belongings — furniture, electronics, clothing, kitchen items, sports equipment — if they're stolen, damaged by fire, vandalism, or certain water damage. Most renters underestimate what their stuff is actually worth.
- Furniture, electronics & appliances
- Clothing & jewelry (up to limits)
- Theft inside and outside your unit
- Fire, smoke, and lightning damage
- Replacement cost vs. actual cash value options
Personal Liability
If someone is injured in your rental unit or you accidentally damage someone else's property, liability coverage pays for their medical bills, repairs, and your legal defense costs. Often the most valuable part of renters insurance.
- Bodily injury to guests in your home
- Accidental damage to others' property
- Legal defense costs if you're sued
- Slip-and-fall accidents in your unit
- Typically $100K–$300K of coverage
Medical Payments to Others
Pays minor medical bills for guests who get hurt in your home — regardless of fault. This covers small claims quickly without going through the liability system, which protects your relationships AND your policy.
- Medical bills for injured guests
- No fault determination needed
- Typically $1,000–$5,000 limit
- Covers accidents on your premises
- Quick payment without a claim fight
Loss of Use / Additional Living Expenses
If your rental becomes uninhabitable after a covered loss (fire, hurricane damage, water damage), this pays for your hotel, meals, and temporary housing while your unit is being repaired. Critical in Florida storm season.
- Hotel and temporary housing costs
- Additional food expenses
- Covers up to 20%–30% of property limit
- Kicks in after a covered loss
- Essential during FL hurricane recovery
Electronics & High-Value Items
Standard renters insurance has sublimits for jewelry, cameras, instruments, and high-end electronics. A scheduled personal property endorsement covers these items at their full appraised value with no deductible.
- Jewelry up to appraised value
- Camera and photography equipment
- Instruments and audio gear
- Laptops and expensive tech
- No deductible on scheduled items
Off-Premises Coverage
Your renters insurance follows your belongings — even away from home. If your laptop is stolen from your car, your luggage is stolen at the airport, or your bike is taken from a rack, renters insurance may cover the loss.
- Theft from your vehicle
- Luggage stolen while traveling
- Items stolen from storage unit
- Bike theft away from home
- Worldwide coverage on most policies
What Renters Insurance Does NOT Cover
Knowing the gaps is just as important as knowing the coverage. Some of these have solutions.
Flood Damage
Standard renters insurance does NOT cover flooding — including storm surge, rising water, or a neighbor's unit flooding into yours. A separate flood policy is available and essential in Florida.
Earthquake Damage
Earthquakes are rare in Florida but not unheard of. Standard renters policies exclude earthquake damage — a separate endorsement is available.
Your Vehicle
Your car is covered by your auto policy, not renters insurance. However, items stolen from inside your car may be covered under your renters policy.
The Building Itself
Your landlord's policy covers the structure. You only need to cover your personal belongings, your liability, and your living expenses if you have to move out.
Florida Renters: Flood Is a Separate Policy — and You Probably Need It
Standard renters insurance does not cover flooding — period. In Manatee, Sarasota, and Hillsborough counties, many rental units sit in or near flood zones. Hurricane Helene showed that even "low-risk" zones can flood. A separate flood policy for renters costs as little as $40–$80/month and covers your belongings from rising water.
Learn about Flood Insurance for RentersWhy Bradenton & Sarasota Renters Choose Us
Fast, local, affordable — and we actually understand the Florida rental market.
Local to Manatee & Sarasota
We live and work in the same communities our renters clients do. We know which zip codes need flood endorsements, which complexes require specific liability limits, and what's actually going on in the rental market here.
Affordable & Fast
Most renters policies cost $15–$30/month. We shop multiple carriers to find the best rate and can typically bind coverage the same day.
Independent Agency
We aren't locked into one carrier. We match your situation to the best fit — whether you're in a high-rise condo, a single-family rental, or a student apartment.
Flood & Renters Together
Florida renters in flood zones need both. We help you get standard renters insurance AND a flood policy in one conversation — no running around to two agencies.
Claims Advocacy
When you have a loss, we help you file, document, and fight for a fair settlement. That's what being your agent actually means.
Build the Full Picture
Renters insurance is often a first step. We also help young renters start building a financial protection stack — life insurance, IUL, and retirement tools that don't require an employer.
Get Your Renters Insurance
Quote in Minutes
Renters insurance is one of the fastest and most affordable policies we write. Fill out the form and we can typically quote and bind coverage same day.
Renters Insurance Quote
Quick form — most policies quoted and bound same day.