RENTERS INSURANCE
Your landlord covers the building.
Your renters insurance covers what matters to you.
Affordable renters coverage for Florida apartments, condos, and rental homes — for your belongings, your liability, and the unexpected.
Fast, Local Claims Support
20+ Carriers Compared
Locally Owned
& Operated
COVERAGE
Renters insurance,
built for Florida living
From summer storms to a stolen bike, one affordable renters insurance policy protects what you own and covers you if someone gets hurt at your place.
PERSONAL PROPERTY
Covers your furniture, electronics, clothing, and more after theft, fire, or covered damage.
LIABILITY PROTECTION
Financial protection if a guest is injured in your rental or you accidentally damage someone else’s property.
LOSS OF USE
Helps pay for a hotel and extra living costs if a covered loss makes your rental unlivable.
WINDSTORM &
HURRICANE
Protection for your belongings when Florida storms cause covered wind damage.
WHY WARNER
Local roots. Real People. Coverage you can count on.
Captive agents can only sell you one company's product. We compare over 20 carriers and find the one that actually fits your life. When you have a claim, we're the one in your corner, not just a name on a policy.
7+
Years in Florida Insurance
20+
Carrier Partners Compared for You
Get a real answer about what you’re covered for.
MORE WAYS WE CAN COVER YOU
Your belongings aren’t the only thing worth protecting.
Renter's insurance is just one piece. Warner Insurance can also help protect the vehicles, toys, and extras that are part of your Florida life.
AUTO INSURANCE
Bundling your renters and auto policies is one of the easiest ways to save — and keeps everything with one local agent.
BOAT & RECREATIONAL
Boats, motorcycles, golf carts, and other Florida toys deserve the right coverage too.
FLOOD INSURANCE
Renters policies usually don’t cover flood damage. A separate flood policy protects your belongings when Florida storms bring rising water.
SERVICE AREA
We've got Florida's Gulf Coast covered.
We write policies across the entire state, but our roots are on the west coast — Manatee, Sarasota, Hillsborough, Pinellas, Charlotte, Pasco, Lee, and Collier counties.
Here are a few of the communities we work in most:
Venice
Siesta Key
Sarasota
Bradenton
Lakewood Ranch
Anna Maria Island
Clearwater
St. Petersburg
Tampa
BUNDLE & SAVE
Ways to Lower Your Renters Insurance Premium
We don't just chase the cheapest quote — we go line by line so you understand exactly what you'd give up for a lower premium.
BUNDLE RENTERS
& AUTO
Keep both policies with the same company and save on each.
SMOKE DETECTORS
& DEADBOLTS
Basic safety features can earn you a lower rate.
CLAIMS-FREE HISTORY
No recent claims? Many carriers reward that with a discount.
PAY-IN-FULL
Paying your annual premium upfront often costs less.
Frequently Asked Questions about Florida Renters Insurance
FAQ
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No — your landlord’s policy covers the building itself, not your personal belongings or your liability. Renters insurance fills that gap so what matter’s to you most is properly covered.
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Most renters policies cover wind damage to your belongings. Flood damage is covered separately. Ask your agent about whether or not flood coverage is a smart choice for your situation.
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It depends on what you own. We’ll help you estimate the value of your belongings so you’re not over- or under-insured.
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In most situations, yes, but it’s not guaranteed. As an independent insurance agency, we can shop multiple carriers to find you the best policies for each of your needs. Often, if those policies are held with the same carrier, you can qualify for a discount. If you get a better deal by holding each policy with separate companies, we can help you save money that way, too.
Get a renters quote in minutes.
Talk to a local insurance agent today — no pressure, just honest coverage advice.