Renters insurance · Miami-Dade
Your Landlord Insures the Building. What Protects You?
Your landlord's policy covers the building — the structure, the roof, the walls. It is not written to cover what is inside your unit, or to answer for you if someone is hurt there. Renters insurance is the separate policy that can. What yours would cover depends on the policy you choose.
Where the building's policy stops
The owner or the association insures the structure. That policy is not there to replace your laptop, your bike or your furniture, and it is not there to answer for you if a guest is hurt inside your unit. That gap is what renters insurance is for.
Get your renters quote
Nine questions, one of them optional. Nothing you send here commits you to anything.
Why renters bring this here
Independent agency
Not tied to one company. It compares more than 200 carriers through the We Insure network.
Confirmed by the agency, 2026-08-25
Local to Miami
Brickell, downtown and Miami Beach buildings, and the proof-of-insurance requests that come with them.
One person, start to finish
Romina answers the email and picks up the phone. There is no queue behind her.
What a renters policy can cover
Three things, broadly. Which of them yours covers, and up to what limit, is set by the policy you end up with — not by this page.
Your belongings
Furniture, clothes, electronics, the bike in the hallway. A renters policy can cover what you own inside a home you do not own.
Liability
If someone is injured in your unit, or you are held responsible for damage to someone else's property, a renters policy can respond.
Somewhere to stay
If a covered loss makes the unit unlivable, a renters policy can help with the cost of staying somewhere else while it is repaired.
Each of these depends on the terms of the policy you choose, including its limits and its exclusions. Nothing on this page is an offer of coverage.
What this page cannot tell you
This page has one job: getting you a renters quote. Four things fall outside it, and each has somewhere better to go.
It cannot tell you what your lease requires. Romina will read it with you, but if what you need is a legal opinion, that is a question for an attorney and not for an insurance agent.
It is not about owning the unit. If you own it rather than rent it: what a condo owner's policy covers
It is not flood. Flood is a separate policy with separate rules, for renters too: what flood insurance covers in Miami
It is not the only coverage the agency writes. If you need something else: start a coverage quote
Would you rather ask before filling anything in? contact the agency
Why an independent local agency
An agency tied to one company can only ever hand you that company's answer. An independent one compares. For a renter that matters most at the moment a building asks for something specific in writing and somebody has to know what it means.
You are not insuring the building. You are insuring what is inside it, and yourself.
Questions renters ask
- What do you need from me to get started?
- The form below is enough. Do not send documents yet — if anything else is needed, Romina asks you for it directly.
- My building asked for proof of insurance. How does that work?
- Say so in the form, and include the deadline if you have one. Proof of insurance is issued once a policy is in place; you do not upload anything here.
- Can my landlord require renters insurance?
- It is common for leases to include a requirement to carry renters insurance. Whether yours does is a question about your lease, and Romina will read it with you. We are insurance agents, not lawyers: for a legal opinion about what a landlord may require, talk to an attorney.
- I already have a renters policy. Can you look at it?
- Yes. Pick the option for comparing your current policy in the form. There is no cost, and no obligation to change anything.
- Do I have to buy anything?
- No. Asking commits you to nothing, and plenty of these end with you keeping exactly what you have.
Insure what is actually yours
It takes a few minutes, it commits you to nothing, and a person reads what you send.
About this page
Coverage, eligibility and price vary by carrier and by policy. Nothing on this page is an offer of insurance, a statement that any coverage is available to you, or a promise about price. What a policy covers is set by its own terms. We Insure Downtown Miami is an independent agency, and a licensed agent confirms what applies to your situation.