A renters policy, often an HO-4, covers your belongings and your liability. It does not cover the building. The landlord's policy does not cover your things. Those are the two sentences that settle most of the confusion.
What it covers
Furniture, clothes, and other personal property, on the named perils in the form, up to the limit you choose. Personal liability if you cause injury or certain damage. Extra living costs if a covered loss makes the unit unfit to live in. Some forms include a small amount for property off the premises. Valuables such as jewelry often have a low sublimit unless you schedule them.
What it doesn't cover
The building, the roof, and the landlord's appliances if the lease says they belong to the owner. Flood and storm surge. A car. A home business beyond a narrow allowance. A roommate who is not named. Wear, and property you left in a way the form excludes.
Florida specifics
Wind that the form covers can apply to belongings. The hurricane deductible on a renters policy is usually a dollar deductible, not a percentage of a building, because you do not insure the building. Confirm that on the quote. Flood contents are separate, and the NFIP wait is usually 30 days. A lease that requires renters insurance is a contract term, not a Florida insurance statute.
How we help
Tell us the address, about what it would cost to replace your belongings, and whether the lease requires a liability limit. We shop the companies that will write the unit. Start a quote and check Renters, or call either office.