Protect What Makes Your Rental Feel Like Home

Even if you don’t own the walls around you, your belongings and peace of mind deserve strong protection. Renters insurance offers affordable, essential coverage to keep you secure from unexpected losses — and it’s often required by landlords. At St. Andrews Insurance, we make getting the right renters policy easy and clear.

Why Renters Insurance Matters

Your Belongings, Your Safety Net

Accidents and unexpected events can happen anywhere — including your apartment or rented house. Renters insurance helps you recover from fire, theft, water damage, and more, without major financial setbacks. It also protects you against liability claims if someone is injured in your home.

A family is playing in a cardboard box in a new home.

What does renters insurance cover?

Personal property protection

Covers your belongings like furniture, clothing, electronics, and valuables if they’re damaged or stolen due to fire, theft, vandalism, or certain types of water damage.

Liability coverage

Helps cover legal fees and medical expenses if someone is injured in your rental or if you accidentally damage someone else’s property.

Additional living expenses

Pays for extra costs like hotel stays and meals if your rental becomes unlivable after a covered loss, so you don’t have to worry about where to stay. You can also customize your policy to include theft protection outside your home (such as stolen items from your car) and coverage for high-value items like jewelry or collectibles.


Did you know? Your landlord’s insurance only covers the building — not your personal items or liability risks. We’ll help you understand exactly what you need.


Questions We Hear Most — With Answers

A tall building with balconies and a palm tree in the foreground
A man and a woman are sitting on a couch with laptops and a dog.

  • What is renters insurance?

    Renters insurance protects your personal belongings and provides liability coverage for accidents in your rental home or apartment. You pay a premium in exchange for financial help after covered incidents, and you may pay a deductible before your policy covers the rest.


    Do you also host guests? If you rent out your space on a short-term basis, check out our Short-Term Rental Insurance page to make sure you're fully covered.

  • What does renters insurance cover?

    Policies generally include:

    Personal property protection


    • Liability coverage
    • Additional living expenses (if you need to temporarily move out)
    • You can also customize your policy for theft protection and higher-value items.

  • Do I need renters insurance if my landlord doesn’t require it?

    While not required by Florida law, renters insurance is highly recommended. Without it, you could face large replacement costs or liability expenses out of pocket. Many landlords do require proof of coverage before move-in.

  • Can I bundle renters insurance with my auto policy?

    Yes! Bundling can help you save money and simplify your coverage. We’ll help you explore your options.

  • Does renters insurance cover roommates?

    No — renters insurance typically only covers the policyholder and their immediate family. Your roommate should purchase their own policy to protect their belongings.

  • Why choose St. Andrews for renters insurance?

    We make it easy and approachable. You’ll get local guidance, clear explanations, and quick support when you need it — all from a team that understands the unique risks of Florida living.

Local Help, Real Answers

Protect What Feels Like Home

At St. Andrews Insurance, we make renters insurance simple and supportive. You’ll receive one-on-one guidance, a policy tailored to your needs, and the peace of mind that comes with knowing you’re covered.

A bedroom with a bed , couch , and balcony overlooking the ocean.