FAQs

Q: What is an HO4 policy?

HO4 is simply the industry name for a renters policy. If you see it on a lease or a quote, that is what is being asked for. It covers your belongings, your liability, and your living costs if the place becomes uninhabitable.

Q: Is renters insurance required in Florida?

Not by the state, but very often by your lease. A large share of Miami landlords and property managers now require proof of it before handing over keys. We covered the wider picture in our Florida renters insurance guide .

Q: Do you cover apartments and condos?

Yes, and they are the majority of what we write in Miami. If you rent a condo, your policy sits alongside the association master policy, which covers the building itself. What falls to you depends on that association, so tell us where you are renting and we will sort out the line.

Q: Does my landlord's insurance cover my belongings?

No. This is the single most common misunderstanding we run into. Your landlord insures the building. Your furniture, electronics, clothes and everything else inside are yours to insure. If the unit floods or burns, their policy rebuilds the walls and does nothing for what was between them.

Q: How much does renters insurance cost in Miami?

It is one of the cheaper policies you will ever buy, but we are not going to put a number on it before knowing what you own. Price moves with the value of your belongings, your building, your deductible and your liability limits. Call us at (786) 441-8985 or request a free quote and we will price it properly.

Q: Do you help Spanish-speaking homeowners?

Every day. You can handle the whole policy in Spanish, from the first quote through a claim.

What is an HO4 policy?

Is renters insurance required in Florida?

Do you cover apartments and condos?

Does my landlord’s insurance cover my belongings?

How much does renters insurance cost in Miami?

Do you help Spanish-speaking homeowners?