Can Renters Buy Flood Insurance? (Spoiler: Yes, and Here’s Why You Should)
So, you’re renting. You don’t own the building, you don’t mow the lawn, and you probably don’t call a plumber until water is literally gushing out of somewhere it shouldn’t. But when it comes to protecting your stuff—your couch, your clothes, your laptop, and your air fryer—you’re on your own.
That’s where renters insurance comes in. But here’s the twist: if your apartment or rental home floods, your renters insurance won’t cover it. Yep, even if it’s due to a storm, hurricane, or water rising up from the ground.
So… Can Renters Get Flood Insurance?
Yes! Renters can (and should) buy flood insurance. Just like homeowners, renters are eligible to purchase flood coverage through the National Flood Insurance Program (NFIP) or private insurers.
Why Doesn’t My Renters Insurance Cover Floods?
Here’s the thing: renters insurance typically covers things like fire, theft, and maybe your dog eating your blinds—but it does not cover flood damage. That’s because flooding is considered a high-risk event, and it requires a separate flood insurance policy to be covered.
So if a big storm rolls through, the streets turn into rivers, and your living room starts to resemble a kiddie pool… your renters insurance might say, “Sorry, not my department.”
Why Flood Insurance Matters—Even for Renters
Florida is the most flood prone state, and with that comes tropical storms, hurricanes, and good ol’ fashioned summer downpours. Even if you don’t live on the beach, you could still be at risk for flooding. Especially if you’re on the ground floor, near a retention pond, or just have really bad luck.
Flood insurance for renters covers your personal belongings, including:
- Furniture
- Electronics
- Clothing
- Kitchen appliances
- Books, tools, and other personal items
And don’t worry—it may not cost as much as you’d think. Most renters can get a policy for a surprisingly affordable rate, depending on your location and risk level.
How to Get Flood Insurance as a Renter in Florida
We’re glad you asked. At Florida 1st Insurance, we make it easy to add flood insurance to your plan—even if you’re not a homeowner. We’ll help you:
- Understand your flood risk
- Compare policies from top providers, including NFIP
- Choose coverage that fits your stuff and your budget
- Actually explain it in plain English (no legal speak, we promise)
When water comes rushing through your front door, you’ll want more than a mop and a strong will. You’ll want coverage.
Ready to Protect Your Stuff?
If you’re renting in Florida and wondering whether you need flood insurance, the answer is probably yes. And the good news? It’s easier and more affordable than you think. Florida 1st Insurance can help you get covered quickly—no drama, no guesswork.
Call us at and (954) 942-7888 request a quote today to protect your belongings from the unexpected… because even renters deserve peace of mind when the skies open up.