Florida Renters Insurance

Shopping for renters insurance shouldn't be complicated. Compare rates by city and company below.

Find cheap renters insurance in Florida


Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters policy defends personal items in the event of fire, smoke damage, a wind event, theft, vandalism, and a variety of other situations.

Unlike car insurance, renters policies aren’t priced based on state laws. Even so, there are sometimes substantial gaps in renters pricing by state. Renters insurance policy costs by state differ based on the value of — and total number of — renters insurance claims submitted in that state, and depend on the value of the belongings being insured.

Florida renters insurance is more expensive than the national average. The typical annual renters insurance rate in Florida is $227, $42 more expensive than the average rate across all US states.

The easiest way to acquire a cheap renters insurance policy in Florida is to view prices from as many insurance companies as possible. Learn average renters insurance rates in Florida by referencing the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.


Florida renters insurance:

  1. By insurance company
  2. Rates by city
  3. Insurance bundling discounts
  4. Frequently asked questions

Renters insurance prices in Florida by insurance company

Renters insurance prices in Florida will vary depending on which insurance company you use. Security First offers the most affordable renters insurance in Florida, at just $142 per year. This compares favorably to the state average cost of $227, offering a 37% price cut on the typical rates in the state.

Begin your search for a renters policy by reviewing the most affordable Florida insurance companies, detailed below.


RENTERS INSURANCE RATES IN FLORIDA: BY COMPANY
InsurerAverage Annual Rate in Florida
Security First$142.22
Citizens$160.06
Peoples Trust$169.92
Castle Key$175.09
State Farm$181.12

Florida renters insurance prices: by city

Not every city in Florida has equal renters insurance costs. Pricing depends on city-specific variables like the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The best renters insurance rates in Florida are available in Palm Bay. The average renters insurance policy in Palm Bay costs $198 every 12 months — $28 less than the state average. The below cities have the most affordable renters insurance in Florida.


CHEAPEST RENTERS INSURANCE CITIES IN FLORIDA
CityAverage Yearly Renters Insurance Rate
Palm Bay$198
Gainesville$202
St. Petersburg$202
Port St. Lucie$203
Tallahassee$203

Florida insurance bundling discounts: renters + auto

If you want to save, consider purchasing both your car and renters insurance policies from one company. Bundling auto and renters insurance in Florida can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Florida results in yearly savings of $44.


RENTERS AND AUTO INSURANCE BUNDLING SAVINGS IN FLORIDA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$2,058.91$2,014.90$44.012%


You can save money on insurance by bundling your renters and auto policies. Start shopping today!


Are you looking for information about renters insurance for a particular city? Have a look at our listof the biggest cities in Florida.

  1. Hialeah
  2. Jacksonville
  3. Miami
  4. Orlando
  5. St. Petersburg
  6. Tampa

Florida renters insurance FAQs


Is renters insurance mandatory in Florida?

While Florida law does not mandate renters insurance, it is a recommended coverage option for anyone renting a house or apartment. They're generally cheap and can protect your liability and contents from covered losses.

Does Progressive offer renters insurance in Florida?

Currently, Progressive does provide renters insurance in Florida.

Does State Farm offer renters insurance in Florida?

Currently, State Farm does offer renters insurance in Florida. Make you shop around with as many companies as possible in order to get the best rate.