Renters Insurance in Orlando, FL,  – Coverage That Moves With You

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Why Renters Need Insurance

If you rent in East Orlando, your landlord’s insurance doesn’t cover your stuff—or your liability. Whether you're in an apartment near UCF, a townhome in Avalon Park, or a rental house in Waterford Lakes, you need renters insurance to protect your personal belongings and peace of mind.


With more than 900 apartment units in East Orlando alone, renters make up a big part of our community—and far too many are underinsured. At The White Agency, we help renters stay protected against theft, fire, lawsuits, and the unexpected, all with policies that are both flexible and affordable.

What Does Renters Insurance Cover?

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Personal Property

Covers your belongings—from furniture and electronics to clothing and kitchenware—against fire, theft, and other covered losses.

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Personal Liability

If someone is injured in your rental or you accidentally damage someone else’s property, your policy can help cover legal and medical expenses.

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Loss of Use

Pays for temporary housing and extra living costs if your apartment becomes unlivable due to a covered incident.

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Valuables & Upgrades

Optional coverage is available for high-value items like jewelry or bikes, and for apartment improvements you've made.

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Guest Medical Payments

Helps cover minor medical bills if a guest is injured in your home—without requiring a lawsuit.

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Loss Assessment

If your rental is part of a condo or HOA, this helps cover your share of unexpected costs.

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Affordable Peace of Mind—Fast

Your belongings are worth more than you think. Protect them for less than your monthly coffee habit.

Renters insurance is one of the most affordable coverages you can buy—often just $10–$20/month. And with The White Agency, it’s fast, local, and easy.


Whether you’re renting short-term or planting roots in Orlando, we’ll walk you through the options, explain what’s required by your lease, and even help you bundle with auto insurance to save more.


  • Fast quotes and same-day policy binding
  • Bundle renters + auto for extra savings
  • Optional coverage for valuables and flood
  • Ideal for first-time renters or longtime tenants
  • Local agents who actually return your call
Renters insurance doesn’t have to be confusing—we’ve got answers.

We Answer the Questions Landlords Don’t

Whether your property manager requires coverage or you just want extra protection, we’ll help you understand what renters insurance actually covers and why it matters in Central Florida.

  • Is renters insurance required in Orlando?

    Some landlords require it, but even when they don’t, it’s still a smart (and inexpensive) way to protect your personal property and liability.

  • What’s the average cost of renters insurance in Florida?

    Most renters pay around $15/month for standard coverage, though rates can vary based on location and coverage amounts.

  • Does renters insurance cover flood damage?

    No—flood insurance is a separate policy. If you live on a ground floor or flood-prone area, ask us about adding flood protection.

  • Can I get renters insurance online?

    Yes. With The White Agency, we can often quote and bind policies online or by phone in just minutes.

  • What if I share my apartment with roommates?

    Your policy covers your personal belongings and liability. Roommates need their own renters insurance unless specifically listed.

  • Can I bundle renters and car insurance for a discount?

    Absolutely. Most renters who also drive can save by bundling.