Renters insurance
Your landlord's policy covers their building — not your stuff. A renters policy protects your belongings and gives you liability coverage.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Flood damage is excluded (separate policy needed) and high-value items like jewelry may have sub-limits. We'll point out anything worth adding a rider for.
No. The landlord's policy covers the building, not your belongings or personal liability. Renters insurance is specifically for you.
It's typically one of the lowest-cost policies you can carry, given the protection it provides.
Many renters policies cover personal property stolen away from home, such as from your car or while traveling, subject to policy terms.
Many Florida leases do. Even when not required, it protects your belongings and liability.
Wind damage to your belongings is generally covered, often with a hurricane deductible. Flood damage is not covered and requires a separate policy.
Add up the cost to replace your furniture, electronics, clothing, and other items. We can help you estimate a reasonable limit.