Florida Renters Insurance

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

How to get cheap renters insurance in Florida

Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. Renters insurance protects your items in the event of fire, smoke damage, a wind storm, theft or vandalism, and an array of other misfortunes.

There are relatively substantial gaps in the cost of renters insurance policies by state. Renters insurance rates in US states may vary depending on the number and cost renters claims filed statewide, and depend on the value of the belongings being insured.

Getting a renters policy in Florida is more expensive than the US average. The average annual cost of renters insurance in Florida is $227, $42 more expensive than in other states.

The easiest way to find a cheap renters insurance policy in Florida is to compare rates and consider policies from as many insurers as possible. Learn how much renters insurance costs in Florida via the below breakdown. Your rates may vary, depending on your coverage details and the value of your belongings.

Renters insurance in Florida:
  1. Rates by company
  2. Costs by city
  3. Insurance bundling discounts

Renters insurance rates in Florida by carrier

Renters insurance prices in Florida vary based on the insurance company you use. Security First sells the cheapest renters insurance policies in Florida — $142 annually. This is less than Florida's average rate of $227, offering a 37% price cut on average statewide renters insurance costs.

Start searching for renters insurance by reviewing the cheapest Florida companies, detailed below.

CarrierAverage Annual Rate in Florida
Security First$142.22
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. Rates depend on local variables such as the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The cheapest renters insurance rates in Florida are available in Palm Bay. A typical renters insurance term in Palm Bay costs just $198 each year — $28 less than the state average. The below cities have the most affordable renters insurance in Florida.

CityAverage Yearly Renters Insurance Rate
Palm Bay$198.21
St. Petersburg$202.34
Port St. Lucie$202.76

How to save: bundle renters and auto insurance in Florida

To trim a few dollars from your insurance costs, consider purchasing your renters and auto policies from the same insurance company. A renters and car insurance bundle in Florida can lead to substantial savings on car insurance. Purchasing bundled policies in Florida may earn you average annual savings of $44.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

A great way to save is to bundle your auto and renters insurance policies. Find a policy today!

Compare rates from top car insurance companies.

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