Florida Renters Insurance Information
We offer affordable renters insurance policies that have flexibility to meet your
individual needs and above all, provide you with the security that comes only
from the knowledge that your home is safe. If you live in an apartment or a
rented house, a Florida renters insurance policy covers you and your
possessions. A standard renters insurance policy protects your personal
property in many cases of theft or damage, and may pay for temporary living
expenses if your rental is damaged so seriously you can't live in it. It can also
protect you from personal liability.
We are an independent Boca Raton, Florida insurance agency offering cheap renters
insurance policy premiums in the following towns, cities and counties in south
Florida: Boynton Beach, Gulf Stream, Delray Beach, Lantana, Rainbow Lakes,
Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington,
Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach,
Lake Park, Royal Palm Beach, Jupiter, Coral Springs, Fort Lauderdale, Parkland,
Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach,
Deerfield Beach, The Hamptons, Highland Beach, Weston, Plantation, Playland
Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park,
Lauderdale Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach,
Lauderdale-by-the-Sea, Boca West, Boca Pointe, Juno Beach, North Palm Beach,
Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge,
Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Richmond
Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes,
Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami
Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek,
Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka,
Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus,
Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach,
Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach,
Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania Beach, Cooper City,
Davie, West Miami, Hollywood, Broward County, Martin County, Miami-Dade County,
and Palm Beach County, FL. We can also offer less expensive Florida renters
insurance policy coverage services throughout the Sunshine state, including in Winter
Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg, Tallahassee, and
Jacksonville, FL.
The standard Florida renters insurance policy covers the actual cash value of
personal property. Payments are based on the replacement cost of the
property minus a deduction for physical depreciation and obsolescence. If you
add replacement cost coverage (for an additional premium), the insurance
company will pay one of the two amounts below, whichever is lower?
1. The cost to replace the property with a similar type and quality of
property without a deduction for depreciation.
2. The full cost to repair at the time of the loss.
Florida renters insurance policy is a popular form of personal insurance and
usually contains four sections: C, D, E, and F:

Coverage C - protects your personal property, (e.g. furniture, CDs, stereo
and clothes). You choose a dollar amount limit (what you think your
possessions are worth) when you purchase a Florida renters insurance policy.
Coverage D - covers loss of use - the expenses you face when your
apartment can't be used due to an insured loss. This is usually 20% of your
personal property limit.
Coverage E - covers your personal liability claims and suits for bodily injury
or property damage. You choose this limit when you purchase the Florida
renters insurance policy.
Coverage F - pays for medical expenses for minor injuries to others even if
you were not at fault. The policy normally includes limits of $1,000 per
A Florida renters insurance policy covers "named perils" listed on your policy
and usually include the following:
Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft,
Vehicles, Smoke, Vandalism, Falling objects, Weight of ice, snow, or sleet,
Accidental discharge or overflow of water or steam, Sudden and accidental
tearing apart, cracking, burning, or bulging, Freezing, Sudden and
accidental damage from artificially generated electrical current , Volcanic
eruptions (doesn't include earthquake or tremors)
Click on the link below to fill out a secure quote request form for a cheaper
Florida Renters Insurance policy premium quote that will provide excellent
insurance coverage at an affordable cost. Or you can speak with one of
our Florida Renters Insurance agent specialists at (561) 342-1695 to
discuss the insurance policy features in more detail.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
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Florida Renters Insurance Policy Information
Proudly Serving South
Florida Since 2002!
Florida Renters Insurance Information
Optimal Insurance Group
4800 North Federal Hwy
Suite D-100
Boca Raton, Florida 33431
Palm Beach County FL
(561) 342-1695
Fax: 866-314-4026
Optimal Insurance
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