Protecting Renters Throughout the Treasure Coast
Your landlord's policy covers the building, not one thing inside it that belongs to you. Renters insurance covers your belongings, your liability, and your living expenses if the place becomes uninhabitable — which in Florida is a real possibility every season. It is among the least expensive coverage we write.
What Renters Insurance Covers
- ✓ Personal property coverage
- ✓ Liability protection
- ✓ Additional living expenses
- ✓ Identity theft coverage available
- ✓ Flood coverage available as a companion policy
- ✓ Affordable monthly premiums
Additional Living Expenses After a Storm
If a named storm makes your rental uninhabitable, ALE coverage pays for somewhere to stay while repairs happen. In a post-storm rental market where short-term rates spike, this coverage does more work than its price suggests.
Liability Follows You, Not the Address
The liability portion of a renters policy covers you away from home as well — a dog bite at the park, an accident at a friend's place. Renters consistently underestimate this half of the policy.
Common Questions
Is renters insurance required?
Not by law, though many Treasure Coast landlords and communities now require it in the lease.
Does it cover flood?
No. Flood needs a separate policy, and contents-only flood coverage is available to renters.
How much personal property coverage do I need?
Add up what it would cost to replace everything you own from scratch. Most people land higher than their first guess.
Get Your Renters Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.