Renters Insurance in Orlando

Peace of mind in the sun.

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affordable renters insurance in Orlando

Whether your favorite thing about living in Orlando is Disney World or your close proximity to the Everglades, you’ll be able to enjoy your local adventures all the more knowing that your stuff is protected with renters insurance.

In this guide, we’ll dive into the basics of Orlando renters insurance and everything it offers—from personal property coverage to liability protection if you accidentally injure another person or damage their property.

What does renters insurance cover in Orlando?

renters insurance in Orlando gives peace of mind
Renters insurance gives you peace of mind, whether you’re home or not.

Your typical Orlando renters insurance policy will include the following aspects. FYI, some insurers may offer additional add-ons, like identity theft protection or flood insurance.

Personal property coverage

Personal property coverage protects your personal stuff, like furniture and electronics, in case of a covered loss. Depending on the type of coverage, you may receive replacement cost (the full amount to replace the item) or actual cash value (factoring in depreciation). A Lemonade policy provides the latter.

Liability coverage

In case someone gets injured at your place or you accidentally damage someone else’s property, renters insurance liability coverage helps cover the medical expenses and legal fees.

Medical payments coverage

This pays for medical expenses if there’s an injury to a guest at your place, regardless of whose fault it is.

Additional living expenses

If a covered loss forces you to leave your place, this coverage (aka ‘loss of use’) helps with the costs of temporary housing and other expenses—hotels, meals, laundry, and so on.

How much does renters insurance cost in Orlando?

The average cost of renters insurance in Orlando is around $267/year or $22/month, according to ValuePenguin.

Meanwhile, the average cost of Lemonade Renters Insurance across the US is just $14/month, as of 2024. On average, Orlando renters insurance rates are slightly higher than the national average, but they’re still quite affordable. 

If you have valuables like digital cameras, expensive musical instruments, or an engagement ring, you might also want to consider extended coverage for those pricey items. At Lemonade, we call that Extra Coverage—here’s everything you need to know.

Is renters insurance required by law in Orlando?

No, renters insurance isn’t required by law in Orlando, or anywhere in the state of Florida. However, your landlord may make getting renters insurance a condition of your lease agreement, in which case you would need to get a policy.

What are the most common causes of renters insurance claims in Orlando?

The most common renters insurances claims in Orlando tend to be personal property claims—whether due to theft or due to damage from extreme weather. In fact, even though theft is on the decline in Orlando, it’s still 26% higher than the national average.

Fortunately, a standard Lemonade renters insurance policy typically covers theft, at home and away from home. So if your phone is swiped at the Magic Kingdom, renters insurance has your back.

But living in Orlando these days also means that your property is always vulnerable to the next natural disaster. 2022’s Hurricane Ian caused more than $200 million of property damage in Orlando, for instance.

Should the next big hurricane strike again, though, renters insurance has you covered for that too. It could cover you for any property damages to your stuff caused by the hurricane and even for additional living expenses should the storm render your rental home temporarily unlivable.

While a standard renters policy sadly can’t insure against the ongoing existential threat of climate change, knowing that your stuff is covered when disaster strikes can still bring some serious peace of mind.

How do I manage my renters insurance policy or make claims?

Accessibility is a significant factor when choosing an insurance company. Make sure your provider has an online portal or mobile app to manage your policy and file claims easily.

Lemonade Renters prides itself on a fully digital experience, which means you can do just about everything right from your phone.

How can I lower my renters insurance cost in Orlando?

There are several ways to save money on renters insurance, including bundling it with pet insurance through Lemonade
Save when you cover your place, and your pet, with Lemonade

Although renters insurance rates are typically quite affordable, there are still some ways to further reduce your monthly premium. Here are some of your options:

  • Compare quotes: Before settling on a provider, you’ll want to shop around with a few different companies to find the most affordable rate for your coverage needs.
  • Adjust your deductible and coverage amounts: Increasing your deductible and lowering your total coverage amount will both automatically lower your premium. Just make sure that you’re comfortable paying your deductible out of pocket if need be—and that you aren’t sacrificing any necessary coverage.
  • Check for security devices: If your rental property has a fire alarm or burglar alarm, you could qualify for a discount. 
  • Pay in full: Paying your annual premium in one go instead of month-to-month will get you a discount with many insurance providers, including Lemonade.
  • Bundle: Bundling multiple policies is a straightforward way to cut down on renters insurance costs. You could, for example, get a discount by bundling renters insurance with car insurance. Or, if you’re a pet parent, you can bundle renters with pet insurance by clicking the button below. 
Get Renters + Pet

Does renters insurance cover my roommates in Orlando?

Renters insurance coverage may or may not extend to your roommates, so it’s best to check with your insurance company.

With a Lemonade Renters policy, your roommates will not be covered—but it’s easy for them to apply for and manage their own policies.

Before we go…

Getting renters insurance in Orlando is a warm breeze. It’s an essential investment to protect your personal property, cover potential liabilities, and bring you peace of mind. 

Now that you’re well-informed, you can focus on enjoying the Sunshine State’s endless attractions, knowing that you’re covered at home.

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. 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.