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Renters insurance typically covers your personal belongings (like furniture, electronics, clothing, and appliances), liability protection, and additional living expenses if your rental becomes unlivable due to a covered event like fire, smoke, or theft.

No—it only covers the building structure, not your personal property or liability. You’ll need your own renters insurance policy to protect what’s inside your unit and to help cover costs if someone is injured in your space.

Costs vary based on your location, coverage level, and property type, but FLO is proud to offer affordable rates with no membership fees. You can get a free quote in minutes to see exactly what works for your budget.