Just Because You Rent - Doesn't Mean Your Belongings Aren't Valuable.
Your landlord's insurance covers the building, not what's inside your home. FEI & GAC provides affordable renters insurance that protects your personal belongings, your liability, and your peace of mind.
Your Landlord's Insurance Does Not Cover Your Belongings.
This is one of the most common misconceptions among Florida renters. Your landlord carries insurance on the building itself — the structure, the roof, the walls. It does not cover your furniture, your electronics, your clothing, or any of your personal belongings. It also does not provide you any personal liability coverage if a guest is injured in your home.
A renters insurance policy from FEI & GAC fills that gap completely — protecting your belongings both inside and outside your home, covering your personal liability, and providing coverage for additional living expenses if your rental becomes uninhabitable due to a covered event.
Affordable Protection for Florida Renters
FEI & GAC Wealth Management offers renters insurance to Florida residents throughout Tampa Bay and across the state. Renters insurance — also known as an HO4 policy — protects your personal belongings, provides liability coverage, and covers additional living expenses if your rental becomes uninhabitable due to a covered event, all for typically a very affordable monthly premium.
As an independent agency, we compare renters insurance options across multiple carriers to find the best coverage and rate for each client. We also offer bundled renters and auto insurance, which can result in meaningful savings on both policies — ask us about multi-policy discounts when you request your quote.
We serve renters throughout Florida including students, young professionals, families, retirees, and anyone renting an apartment, house, condo, or townhome. Whether your landlord requires renters insurance or you're getting covered on your own, we make the process fast and straightforward.
We proudly serve renters throughout:
Who We Serve
- Apartment & condo renters
- House & townhome renters
- College & university students
- Young professionals
- Families renting in Florida
- Snowbirds & seasonal renters
- Anyone whose landlord requires coverage
Bundle & Save
Pairing your renters insurance with your auto insurance through the same carrier can result in meaningful savings on both premiums. Ask us about multi-policy discounts when you request your quote.
Fast & Easy to Get Started
Renters insurance is one of the quickest and most affordable policies to put in place. Call or email us and we can often have a policy ready for you the same day.
(813) 600-3268 office@feipartners.comWhat Your Renters Policy Covers
A renters insurance policy — also known as an HO4 policy — provides several key protections that your landlord's insurance does not. Here's what each coverage type provides in plain language.
Personal Property Coverage
Covers your personal belongings — furniture, electronics, clothing, appliances, and other possessions — if they are stolen or damaged by a covered peril such as fire, smoke, vandalism, or burst pipes. Coverage typically extends to your belongings even when they're outside your home, such as items stolen from your car.
Personal Liability Coverage
Protects you if a guest is injured in your rental home or if you accidentally damage someone else's property. Covers legal defense costs and any judgments against you, up to your policy limit. Your landlord's insurance provides you zero liability protection.
Additional Living Expenses
If your rental becomes temporarily uninhabitable due to a covered event — such as a fire, burst pipe, or storm damage — this coverage pays for your hotel stay, meals, and other additional costs while your home is being repaired. Also called Loss of Use coverage.
Medical Payments to Others
Covers reasonable medical expenses for a guest who is accidentally injured in your home — regardless of whether you were legally at fault. A straightforward way to handle minor injuries without involving liability claims or legal action.
Off-Premises Coverage
Most renters policies cover your personal belongings even when they're away from your home. If your laptop is stolen from your car, your luggage is lost on a trip, or your bicycle is taken from outside your workplace, your renters policy may cover the loss.
Pet Liability (Optional)
Some renters policies can include coverage for incidents caused by your pet — for example, if your dog bites a visitor. Coverage and availability vary by carrier and breed restrictions may apply. Ask your agent about pet liability when requesting your quote.
Three Reasons Every Florida Renter Needs Coverage
Renters insurance is one of the most affordable and most overlooked forms of protection available. Here's why it matters for Florida renters specifically.
Florida's Weather Risk Is Real
Florida's hurricane season, severe thunderstorms, and the risk of flooding mean that rental homes can suffer serious damage quickly. While your landlord's policy covers the building, only your renters policy protects your belongings inside it.
It's Typically Very Affordable
Renters insurance is one of the most affordable insurance products available — often just a few dollars a month. The cost of replacing your electronics, furniture, and clothing after a theft or fire would far exceed a year's worth of premiums.
Many Landlords Now Require It
An increasing number of Florida landlords and property management companies require tenants to carry renters insurance as a condition of their lease. Our team can get you covered quickly — often the same day — so you meet your lease requirements without delay.
Ready to Protect Your Florida Rental Home?
Request a free, no-obligation renters insurance quote. Our licensed agents will compare options across multiple carriers and find the right coverage for your home and budget — quickly and affordably.
Speak With a Licensed Agent
Our team is available Monday through Friday during business hours. We can often get your renters insurance policy in place the same day you call.
Land O Lakes, FL 34638
St. Petersburg, FL 33702