Get an affordable renters insurance quote online. Renters insurance helps protect yourself and your belongings if you experience the unexpected. A landlord's insurance policy covers the building, but not your personal items. If you rent an apartment, condo, house, etc., you need renters insurance. One is that you need insurance to live in either. For renters, it’s known as renters insurance and it essentially functions the same way home owners insurance does. While it’s not nearly as expensive, securing fair Florida renters insurance quotes is still very important.