{"id":186,"date":"2026-10-10T18:07:53","date_gmt":"2026-10-10T22:07:53","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/renters-insurance\/"},"modified":"2026-10-10T18:21:36","modified_gmt":"2026-10-10T22:21:36","slug":"renters-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/renters-insurance\/","title":{"rendered":"Seguro de inquilinos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"186\" class=\"elementor elementor-186\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed2e321 e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"ed2e321\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a19809 elementor-widget elementor-widget-text-editor\" data-id=\"8a19809\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54c02e7 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"54c02e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Renters insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ba1e37 elementor-widget elementor-widget-heading\" data-id=\"1ba1e37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Renters insurance in Orlando<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ddc6d0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4ddc6d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your landlord&#8217;s policy covers the building, not your things. Renters insurance protects your belongings and your liability, usually for less than the cost of a couple of dinners out each month.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80bc1df elementor-widget elementor-widget-text-editor\" data-id=\"80bc1df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=renters\">Get a renters quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1307b98 e-flex e-con-boxed e-con e-parent\" data-id=\"1307b98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3c6fe9b e-flex e-con-full uia-answer e-con e-child\" data-id=\"3c6fe9b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-249cfbc elementor-widget elementor-widget-heading\" data-id=\"249cfbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0dd344 elementor-widget elementor-widget-text-editor\" data-id=\"b0dd344\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Renters insurance, also called an HO-4 policy, covers your personal belongings against fire, theft, wind and other covered losses, pays if you&#8217;re responsible for someone&#8217;s injury or damage to their property, and covers extra living costs if your apartment becomes unlivable. Many Orlando landlords require it in the lease.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11721c3 uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"11721c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>What renters insurance covers<\/h2><ul><li><strong>Personal property:<\/strong> furniture, clothes, electronics and other belongings, at home or in your car.<\/li><li><strong>Liability:<\/strong> if a guest is hurt or you accidentally cause damage, like a kitchen fire that spreads to the unit next door.<\/li><li><strong>Loss of use:<\/strong> hotel and meal costs while your place is repaired after a covered loss.<\/li><\/ul><h2>Two choices that matter<\/h2><p><strong>Replacement cost vs. actual cash value.<\/strong> Replacement cost pays what it costs to buy new items. Actual cash value subtracts depreciation, so a five-year-old laptop pays out far less. Replacement cost is usually worth the small extra premium.<\/p><p><strong>Flood.<\/strong> Like homeowners policies, renters policies exclude flood. If you&#8217;re on a ground floor or in a flood-prone area, ask us about <a href=\"\/flood-insurance\/\">contents-only flood coverage<\/a>.<\/p><h2>Save by bundling<\/h2><p>Adding renters insurance to your <a href=\"\/auto-insurance\/\">auto policy<\/a> often earns a discount that covers much of the renters premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2923ba7 elementor-widget elementor-widget-accordion\" data-id=\"2923ba7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-4311\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4311\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does renters insurance cover my roommate?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-4311\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4311\"><p>Usually only the people named on the policy and their relatives in the household are covered. Roommates generally need their own policies.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-4312\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4312\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does renters insurance cover hurricane damage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-4312\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4312\"><p>Wind damage to your belongings is generally covered, subject to your deductible. Flooding is not, so consider a separate flood policy for your contents.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-4313\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4313\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much renters coverage do I need?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-4313\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4313\"><p>Walk through your home and estimate what it would cost to replace everything. Most people underestimate. We&#8217;ll help you pick a limit that fits.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does renters insurance cover my roommate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Usually only the people named on the policy and their relatives in the household are covered. Roommates generally need their own policies.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Does renters insurance cover hurricane damage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Wind damage to your belongings is generally covered, subject to your deductible. Flooding is not, so consider a separate flood policy for your contents.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How much renters coverage do I need?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Walk through your home and estimate what it would cost to replace everything. Most people underestimate. We&#8217;ll help you pick a limit that fits.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50da894 elementor-widget elementor-widget-text-editor\" data-id=\"50da894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-blue\" href=\"\/get-a-quote\/?coverage=renters\">Get a renters quote<\/a><a class=\"uia-a-btn uia-outline\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9af5927 e-con-full e-flex e-con e-parent\" data-id=\"9af5927\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5a438 elementor-widget elementor-widget-html\" data-id=\"4d5a438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Renters Insurance\",\"serviceType\":\"Renters insurance\",\"description\":\"HO-4 renters insurance in Orlando covering belongings, liability and extra living costs.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/renters-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":{\"@type\":\"City\",\"name\":\"Orlando\"}}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Renters insurance Renters insurance in Orlando Your landlord&#8217;s policy covers the building, not your things. Renters insurance protects your belongings and your liability, usually for less than the cost of a couple of dinners out each month. Get a renters quoteCall (407) 898-1116 The short answer Renters insurance, also called an HO-4 policy, covers your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-186","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/186","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=186"}],"version-history":[{"count":3,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/186\/revisions"}],"predecessor-version":[{"id":261,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/186\/revisions\/261"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}