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Renter's Insurance

Get Florida Renters Insurance coverage you want at a price that makes sense.

Goodlad & Swank has partnered with top-rated, affordable insurance companies writing rental insurance coverage in Florida

We insure Naples, Fort Myers, Cape Coral and other South West Florida areas for primary homes you rent. We are committed to providing transparency when quoting your rental insurance and can explain the differences in companies and coverage so that you can make an educated decision. You will get the coverage you need at a price that fits your budget. 

What is Renters Insurance?

Florida renters insurance policy, or an HO4 policy, can protect you from unforeseen events such as fire, theft, water damage, and wind damage. Sometime damage can even occur from neighboring units. 

Renters Insurance is protection for your personal property within the rental which is typically not covered by the owner’s insurance policy. If you are a renter, you should have renters insurance. By taking inventory of your belongings you’d be surprised at how much it would cost to replace everything.

Renters insurance protects
the space you make your own

Goodlad & Swank Insurance provides the local community with expert home, flood, automotive, business, HOA, and life insurance. Goodlad & Swank actively seeks to master the products they offer and aims to provide customers with the highest level of client service found in the Florida insurance marketplace.
Black parents making symbolic roof of hands above their children

Why do you need rental insurance?

If you’re renting a home or apartment in Fort Myers, Florida, it’s important to have rental insurance. This type of insurance protects you and your belongings in case of damage or theft. It can also help cover the cost of temporary housing if your home becomes uninhabitable due to a covered event.

What does rental insurance cover?

  • Fire and Lightning
  • Smoke damage
  • Explosions
  • Theft
  • Vandalism
  • Mold
  • Falling Objects
  • Wind and Hail

What are the types of rental insurance?

There are different types of rental insurance policies available. 

The first is named perils policy, which covers damage or loss due to specific events that are listed in the policy. These events typically include fire, wind damage, theft, and vandalism.

The other type of rental insurance policy is an all-risk policy, which provides coverage for any type of damage or loss that is not specifically excluded in the policy. All-risk policies are typically more expensive than named perils policies, but they provide a higher level of protection.

What we cover:

Contents Of Home

Protects your clothing, electronics, furniture and other items.

Replacement Cost

This will replace your belongings with an item of the same value.

Additional Living Expenses

Additional costs you incur, like motel bills, if the home you rent is damaged and uninhabitable.

Medical Expense

May pay for non-residents injuries that you are legally responsible for.

Loss of Use

This coverage can provide financial assistance to you while your home is being repaired and is unlivable as a result of a covered loss.

Personal Liability

May protect you, your spouse, and resident relatives under age 21 for claims you’re legally obligated to pay resulting from things such as injury, sickness, disease, and death. The coverage may also include the cost of defending claims against you.

Optional Rental Insurance Coverage 

Renters insurance laws and regulations are constantly changing. It is important to know what is and what isn’t covered in your policies. Here are some additional options to consider:

Jewelry, Guns, Fine Art Collections. Let’s face it, every home contains items that would interest a burglar. Family heirlooms or just that giant 80” TV on the wall can be covered. Be sure to let our representatives know if you have high dollar items. There are limits to the amount offered on this coverage so it’s important to detail what you have. Sometimes we can build a list outlining all of the items and in certain cases we can write you a special policy called a Personal Articles Policy to provide the proper coverage amounts.

Equipment Breakdown.  TVs, HVAC systems and other appliances break down or are damaged. For a low yearly charge, you can be covered. It is a nice feeling to know you will not be responsible for hundreds or even thousands of dollars in repairs.

Identity Theft. Many carriers offer this at a low cost to provide you identity theft protection. The world gets more complicated every day, and this is a smart, and cheap way, to protect yourself from online dangers.

Water Damage. Storms can cause water damage to your home. Leaking pipes also cause problems. Be sure to check that your Fort Myers homeowners insurance policy has adequate coverage for water damage. The age of your home is also hugely important here. You will likely start facing coverage restrictions if your house is over 30 years old. There are options for a partial or full buyback of this important coverage, but only certain carriers offer that. Please call us to review your options.

When shopping for rental insurance, it’s important to compare different policies and find one that meets your needs and budget. Be sure to read the policy carefully so you understand what is and isn’t covered. Goodlad & Swank has you covered. Give us a call today.

What are typical coverage limits?

Coverage TypeTypical Coverage Limit
Personal Property CoverageCovers personal belongings such as furniture, clothing, electronics, appliances, and other items owned by the renter against covered perils such as fire, theft, vandalism, and water damage. Coverage limits typically range from $20,000 to $100,000, but can be adjusted based on the value of the renter’s possessions and specific coverage needs.
Loss of Use CoverageHelps cover additional living expenses if the rental unit becomes uninhabitable due to a covered peril, such as fire or water damage, and the renter needs to temporarily relocate. Coverage limits are typically a percentage of the personal property coverage limit, with common limits ranging from 20% to 30%.
Personal Liability CoverageProtects the renter against claims or lawsuits filed against them for bodily injury or property damage that they or their family members may cause to others. Coverage limits typically range from $100,000 to $500,000, but can be adjusted based on the renter’s risk exposure and liability needs.
Medical Payments CoveragePays for medical expenses if a guest is injured in the rental unit, regardless of fault. Coverage limits typically range from $1,000 to $5,000 per person.
Additional CoveragesRenters insurance policies may offer additional coverages such as identity theft protection, pet liability coverage, and coverage for valuable items such as jewelry, fine art, and electronics. These coverages can be added based on the renter’s specific needs and the risks associated with their lifestyle and possessions.

How are rates calculated?

Renter’s insurance rates are determined by various factors that assess the level of risk associated with insuring a tenant’s personal property and liability coverage. Insurance companies utilize underwriting guidelines, risk assessment tools, and statistical data to evaluate these factors and calculate premiums. Here’s a thorough breakdown of the key determinants:

  1. Coverage Limits and Policy Options:

    • Renter’s insurance policies offer coverage for personal property, liability protection, and additional living expenses.
    • The coverage limits selected by the tenant and the type of policy options chosen, such as replacement cost coverage or actual cash value coverage, influence insurance rates.
    • Higher coverage limits and additional policy options typically result in higher premiums.
  2. Location of Rental Property:

    • The location of the rental property, including factors such as crime rates, weather patterns, proximity to fire stations, and historical loss data, impacts insurance rates.
    • Properties located in high-crime areas or regions prone to natural disasters may face higher premiums due to increased risks of theft, vandalism, or property damage.
  3. Type and Size of Rental Unit:

    • The type and size of the rental unit, including factors such as square footage, number of rooms, and amenities, can influence insurance rates.
    • Larger rental units or those with additional features such as swimming pools or fireplaces may require higher coverage levels and result in higher premiums.
  4. Personal Property Inventory and Valuation:

    • Tenants are typically required to provide an inventory of their personal property and estimate the value of their belongings when purchasing renter’s insurance.
    • The value of the insured personal property directly impacts insurance rates, with higher-valued belongings resulting in higher premiums.
  5. Deductibles and Policy Limits:

    • Renter’s insurance policies typically include deductibles, which represent the amount the tenant must pay out of pocket before the insurance coverage applies.
    • Higher deductibles may lead to lower premiums but require tenants to bear a greater share of the repair or replacement costs in the event of a covered loss.
    • Policy limits, or the maximum amount of coverage provided by the policy, also influence premium rates.
  6. Tenant’s Claims History:

    • The tenant’s claims history, including any prior insurance claims for property damage, theft, or liability incidents, may impact insurance rates.
    • Tenants with a history of frequent claims or significant losses may face higher premiums as insurers perceive higher risks associated with insuring the tenant.
  7. Creditworthiness and Financial Stability:

    • Some insurers consider the tenant’s credit history and financial stability when determining insurance rates.
    • A strong credit profile may indicate financial responsibility and reduce the perceived risk of defaulting on insurance premiums.
  8. Safety and Security Measures:

    • Tenants can implement safety and security measures to reduce the risk of property damage or theft and potentially qualify for premium discounts.
    • Measures such as installing smoke detectors, deadbolt locks, security systems, and fire extinguishers may help mitigate risks and lower insurance rates.
  9. Market Conditions and Underwriting Guidelines:

    • Insurance market conditions, underwriting guidelines, and regulatory factors may influence renter’s insurance rates.
    • Changes in market trends, industry regulations, and economic conditions can impact insurance rates over time.


In summary, renter’s insurance rates are determined by a combination of factors including coverage limits, location, rental property characteristics, personal property valuation, deductibles, policy limits, claims history, creditworthiness, safety measures, and market conditions. Insurers carefully evaluate these factors to accurately price renter’s insurance policies and manage the risks associated with insuring tenants’ personal property and liability coverage.

Why choose Goodlad & Swank to provide your renters insurance?

Elevate your peace of mind and protect your cherished belongings with Goodlad and Swank Renters Insurance, your essential companion in the world of renting. Imagine a safety net that shields your personal property against unexpected mishaps like theft, fire, or natural disasters. At Goodlad and Swank, we understand that your rented space is more than just a place to live; it’s your sanctuary, and it deserves the utmost protection. With our renters insurance policies, you can rest assured that your belongings are safeguarded, no matter what life throws your way.

What sets Goodlad and Swank Renters Insurance apart is our unwavering dedication to understanding the unique needs and concerns of renters. Our policies offer comprehensive coverage for your personal belongings, including electronics, furniture, clothing, and more, ensuring that you’re protected against the unexpected. Whether you’re renting a cozy apartment or a spacious house, our customizable options allow you to tailor coverage to fit your specific lifestyle and budget, providing you with the flexibility and peace of mind you deserve.

Beyond the assurance of coverage, choosing Goodlad and Swank means gaining access to a team of experts who are committed to your well-being. From proactive risk assessments to expert guidance on inventory documentation and claims processing, we’re here to support you every step of the way. Don’t wait until it’s too late. Partner with Goodlad and Swank Renters Insurance today and take proactive steps to protect your belongings and secure your peace of mind in your rented space.

Committed to
Serving Our Customers

Goodlad & Swank Insurance is a family-owned insurance agency founded in 2009. We’ve built a team of knowledgeable professionals that value integrity, caring for our clients, and offering you superior service.

We’ve partnered with one of the largest selections of carriers in all of Florida making it easy for you to have a one-stop-shop for all your insurance needs.

An unforeseen event coupled with inadequate insurance can quickly result in financial trouble. We recognize that addressing insurance may not be your idea of fun, but our goal is to make the process as enjoyable as possible. In the end, you may just find yourself letting us know what the grandkids are up to or how the honeymoon went. Get to know us, you’ll be happy you did. 


Our Services

Homeowners Insurance

You can access the top-rated insurance companies in Florida for primary and second homes, condos, and the property you rent to others.

Auto Insurance

You benefit because we’ve partnered with some of the largest, most-respected auto insurance carriers in the industry to provide coverage for cars, motorcycles, motor homes, and recreational vehicles.

Business Insurance

Your business is growing your business. Our business is working to guard you against the risks you face every day. Find out how to protect your business.

Condo Insurance

We work with premium carriers and brokers to offer a full suite of insurance options for residential condominium associations across Southwest Florida.

Flood Insurance

Get protected. Goodlad & Swank offers coverage through the National Flood Insurance Program as well as private flood insurance carriers.

Life Insurance

Protect your legacy. Whether life insurance is for your family or your business we can help you find the right policy at the best possible price.

Satisfied clients

Have been working with Goodlad & Swank agency for five years. Have always been very helpful!

Daniella W.

This is an amazing company to do business with. I have several properties and slowly I have changed all properties to be with Goodlad & Swank Insurance.

Ody O.

Great services. I have been using them for several years now. Thanks team!

Steve C.

Competitive rates and excellent service. Really nice folks to do business with. Highly recommend!

Mike H.

Fast, courteous, professional service with comparable rates. What else do you need?

Len M.

Had one of the best experience ever at this insurance company. You feel like family and everyone here is friendly.

Moises M.

I had a great experience with this Company! I highly recommend! Mary Beck was very helpful, very professional and very quick to respond to my emails.

Tina C.

Have been working with Goodlad & Swank agency for five years. Have always been very helpful and have given us good options to choose from.

Daniella W.

I had some issues with my previous home owners insurance company. David at Goodlad & Swank went above and beyond to try to help me out.

Chandace S.

Excellent customer service, extremely knowledgeable of all insurance needs. I highly recommend this company!

Robin Y.

Went out of their way to be professional and helpful. Would highly recommend this agency.

Carmen C.

Join our many, happy customers!

Goodlad & Swank

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