When people shop for home insurance in Florida, they’re often looking for more than one type of coverage. Whether you're a homeowner, renter, or condo owner, it’s essential to understand your options to ensure your property and belongings are protected. Common types of home insurance include homeowners insurance, renters insurance, and condo insurance—each designed to meet specific living arrangements and risk levels.

A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You might be surprised at the wide range of home insurance quotes available. It’s possible to save hundreds of dollars—or more—just by comparing options. That’s where working with a local independent insurance agency makes all the difference. Leaders Insurance can help you compare quotes from top-rated home insurance carriers online, ensuring you get the best value without sacrificing coverage.

Whether you're protecting a house, condo, or apartment, we’ll help you find the right policy—quickly and confidently.