Moving to a Florida Apartment? Here’s What You Need to Know First

by Gemma Peterson

Thinking of relocating to Florida and renting your first apartment here? Get ready for sunshine, palm trees—and a few surprises. Renting in the Sunshine State isn’t quite the same as it is up north. From hurricanes to humidity and how utilities are billed, there are important differences you’ll want to understand before you sign a lease.

Here’s a guide to help you avoid common pitfalls and make a smooth transition into your Florida rental.

1. Watch How Water Moves—Literally

Florida’s flat terrain and heavy rainfall make drainage a serious issue. When touring apartments, try to visit during or just after a storm. It might sound odd, but it’s the best time to see how well the property handles water. Is there standing water in the parking lot? Have ground-level units ever flooded?

Ask if the building is in a flood zone and whether features like sump pumps, flood barriers, or water sensors are in place. Flooding here isn't just inconvenient—it can damage your car, your belongings, and even your health.

2. Understand Hurricane Preparedness

Unlike northern states, Florida regularly deals with hurricanes. Before renting, ask how the property prepares for storms:

Do they provide hurricane shutters or board up windows?
Who’s responsible for securing balconies and patios?
How do they communicate with residents during emergencies?
Have they lost power during past storms?
What kind of storm damage has occurred before?

Also ask how quickly repairs are made after a storm. A responsive management team can make a huge difference during hurricane season.

3. Rental Insurance & Payment Policies

Many Florida complexes now require renters insurance, sometimes with specific coverage minimums. If you don’t provide proof, you may be automatically enrolled—and charged—without much notice.

Also, ask:

What happens if your rent is late?
Are there grace periods or late fees?
Do they require autopay or charge fees for online payments?

It’s essential to know this up front so you’re not caught off guard.

4. Know Who Handles What (Maintenance Responsibilities)

Don’t assume maintenance responsibilities are the same as where you came from. Ask:

Do tenants change their own air filters?
What’s the process for submitting a maintenance request?
Is there a 24/7 emergency maintenance line?
How quickly are issues like mold, leaks, or broken A/C handled?
Can you request maintenance at specific times if you have pets?

Pest control is another big one. Florida’s warm, humid climate means bugs are a fact of life. Find out how often pest control services are performed and whether they include both the interior and exterior of your unit.

5. Understand How Utilities Are Billed

In some Florida rentals, utilities like water, sewer, and trash are divided among all tenants—not billed individually. Others use meters. Ask these questions:

Are utilities included in rent or billed separately?
Are charges handled through the city or by the apartment office?
Are there service or administrative fees added?

Knowing this helps avoid surprises when your first bill arrives.

6. Parking Isn’t Always Simple

Parking rules vary widely. Some properties have assigned spots, others operate on a first-come, first-served basis. You might even be charged extra for a garage or covered space. Ask:

Is parking open or assigned?
Is guest parking available and clearly marked?
How available are spots during busy hours?

This is especially important near beaches or entertainment districts, where parking can be limited.

7. Local Laws & Community Vibes

Florida’s landlord-tenant laws can vary by city or county. Make sure you know:

How much notice is required for rent increases?
What’s the policy for breaking a lease?
How do you get your security deposit back?

Also, visit the property at different times of day and talk to current residents. Ask about safety, noise levels, and their overall experience. This isn’t snooping—it’s smart research.

Final Thoughts

Renting in Florida can be a great experience, but the details matter. Don’t assume things work the same way as they did back home. Ask questions, read the lease carefully, and do your homework.

With a little prep, you’ll be well on your way to enjoying all the perks of Florida living—without any unwanted surprises.