Lemonade Renters Insurance in Fort Lauderdale, FL
Renting near Las Olas? Protect your stuff with Lemonade renters insurance in Fort Lauderdale from just $10/month.
What does Lemonade renters insurance in Fort Lauderdale protect against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). Here’s a closer look at what is (and isn’t) covered:
- Fire & smoke damage
- Theft & break-ins
- Clothes & shoes
- Jewelry & watches
- Your laptop & electronics
- Books & collections
- Wind & hail damage
- Art & musical instruments
- Kitchen appliances & gadgets
- Furniture & home decor
- Sports equipment & bikes
- Water damage from burst pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the Panthers & punching your TV.
What does renters insurance cover in Fort Lauderdale?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in Fort Lauderdale?
As of 2025, Lemonade renters insurance in Fort Lauderdale typically averages between $10 and $15 per month. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect Fort Lauderdale renters?
Protection built for tropical life and city risks
Hurricane protection
Wind, hail, and (some) water damage when Florida's hurricane season hits
Protection against theft
We'll cover your electronics whether it's a break-in or grab-and-go
Hurricane displacement
Hurricane evacuation keeping you out of your place? We've got you covered
How much renters insurance do you need in Fort Lauderdale?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your Fort Lauderdale rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a Fort Lauderdale hotel will run you $998*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in Fort Lauderdale?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Fort Lauderdale residents benefit from coverage:
Seafarers
Working in Fort Lauderdale’s massive yachting and boating industry means irregular schedules and seasonal work. Renters insurance protects your belongings while you’re away on charter trips or boat maintenance projects, covering theft and damage. Plus, liability coverage protects you when marine colleagues visit after work.
Hospitality professionals
Working in Fort Lauderdale’s hotels, restaurants, and cruise industry means you understand how quickly things can change. Renters insurance covers your belongings when you’re pulling busy tourist season shifts, plus liability protection if coworkers visit after those demanding hospitality shifts.
Flight attendants & pilots
Working for airlines based at Fort Lauderdale-Hollywood International Airport means you’re away from home frequently. Renters insurance protects your belongings while you’re traveling for work, covering theft and damage. It’s peace of mind while you’re jet-setting around the world.
Real estate professionals
Working in Fort Lauderdale’s booming real estate market means you’re always on the go showing properties. Renters insurance protects your professional wardrobe, electronics, and furniture from theft or damage. Plus, liability coverage protects you when hosting clients or colleagues at your place.
Remote workers
Fort Lauderdale’s year-round warmth and coastal lifestyle make it perfect for working from home. Renters insurance covers your personal electronics and home office furniture whether you’re renting on Las Olas or near the beach. Many policies even include temporary housing coverage to keep your setup uninterrupted.
What’s the best renters insurance in Fort Lauderdale?
We might be biased, but Lemonade was designed to shine for Fort Lauderdale renters
All in the app
Get a quote, manage your policy, and file claims all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
Fort Lauderdale Renters: By the Numbers
Real data from our customers:
Fort Lauderdale Renters Insurance FAQs
What's the average cost of rent in Fort Lauderdale?
According to Zumper*, the average cost of rent in Fort Lauderdale is $2,700. However, the average cost of rent varies widely depending on where you live, and the type of home your renting. Here’s a look at how the average cost of rent changes in Fort Lauderdale based on your property type:
- Apartment: $2,200
- Condo: $2,750
- House: $3,500
How does renters insurance work in Fort Lauderdale?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim, and getting reimbursed, stress-free. Here’s how the renters insurance claims process works for Fort Lauderdale residents:
- Document damage: When disaster strikes in Fort Lauderdale, make sure to take clear photos or videos of any damage to your belongings, this documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move-in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Does renters insurance cover hurricane damage in Fort Lauderdale's Las Olas area?
Yes, renters insurance covers hurricane wind damage to your belongings and temporary housing costs if your rental becomes uninhabitable. Fort Lauderdale faces direct hurricane threats from both the Atlantic and Gulf, with major storms like Irma causing widespread damage in 2017. Wind damage is covered, but you’ll need separate flood insurance since Fort Lauderdale is highly flood-prone.
Is my boat equipment covered if stolen from Lauderdale Marina?
Yes, your boating gear and equipment are covered under personal property whether stolen from your apartment, car, or marina areas. With a 1 in 28 chance of becoming a victim of property crime, Fort Lauderdale’s boating lifestyle gets the protection it deserves.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Average costs of hotel stays sourced from https://www.budgetyourtrip.com/search.php. Average cost of rent sourced from Zumper as of August 2025 https://www.zumper.com/
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