We shop multiple top-rated carriers to find you the right renters coverage at the right price: personal property, liability, and loss-of-use protection.
Independent agency · Est. 2007
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Good coverage starts with a conversation. Let's find the right policy for you.
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A licensed agent will contact you within 1 business day.
Why Clients Choose Us for Renters Insurance
Real benefits. No gimmicks.
Lease Requirements Matched
Send us the insurance wording from your lease and a licensed agent will review what is being asked.
Landlord Listing Handled
Many Florida leases require the landlord or manager to be listed. We confirm what each carrier allows.
Bundle With Auto
For applicable insurance carriers, bundling your renters and auto insurance may qualify you for a multi-policy discount. A licensed insurance agent can confirm what is available.
Multiple Carriers Compared
A licensed agent quotes several companies rather than presenting one option.
Same-Day Documentation in Many Cases
Move-in deadlines are real. We turn documentation around quickly where underwriting allows.
Straight Answers From a Licensed Agent
A real person who will tell you plainly if something in your lease cannot be matched.
Renters We Commonly Help
Most renters come to us because someone asked them for proof. These are the situations we see most.
New Tenants With a Lease Deadline
Documentation needed before you get the keys.
Students and First-Time Renters
Often the first policy someone has held in their own name.
Roommates Sharing a Unit
Shared households raise questions about who is named and how carriers treat it.
Renters With Valuable Items
Jewelry, instruments, cameras and equipment are handled differently by different carriers.
Pet Owners
Breed and bite history affect availability and vary a great deal by carrier.
Renters Who Also Carry Auto With Us
Keeping both with one agency keeps renewals and documentation in one place.
Frequently Asked Questions
Common questions about renters insurance.
Yes. Send us the insurance wording from your lease and a licensed insurance agent will review what is being asked for. Requirements vary by landlord, and what is available varies by insurance company and policy.
Many Florida leases ask for it. Whether and how a landlord or property manager is listed varies by insurance company and policy, so a licensed insurance agent will confirm what can be done on the options we present.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares renters insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically the rental address, how the unit is occupied, and your current insurance if you have it. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Protect What Matters Most
Affordable renters insurance may cost less than you think.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.