Renters Insurance in Tampa, FL

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renters insurance in Tampa, Florida

It's very important to maintain renters insurance if you're renting a house or an apartment. It protects your rental unit — and any personal belongings within it — in a variety of circumstances, including fire, theft, vandalism, and wind damage. As these circumstances are fairly common, the affordable price of renters insurance, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

Renters insurance costs are dictated by many factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance policies may be more expensive to account for the extra risk.

The average annual price of renters insurance in Tampa is $233.

Finding reliable renters insurance in Tampa begins with shopping around and comparing policies. Check out our breakdown of Tampa, Florida renters insurance premiums to commence your purchase process with as much background info as possible. Remember: your renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Tampa

Renters insurance premiums in Tampa depend on the insurer you choose. For instance, Security First offers the most affordable renters insurance in Tampa, at just $167 per year. This compares favorably to the city's average cost of $233, providing a $67 discount on the city's normal rates.

Start your search for a renters insurance policy by reviewing the cheapest companies in Tampa.

CompanyAverage Annual Rate in Tampa
Security First$167
Castle Key$174
Peoples Trust$177
Universal Insurance$180

Tampa renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Tampa, the average annual cost difference between these tiers is about $101. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Tampa
$25K Property$183
$50K Property$284

Tip: bundle your auto and renters insurance policies in Tampa

If you’re looking to cut your insurance expenditures, carry your renters and auto policies under the same insurance company. Bundling renters and car insurance in Tampa can lead to substantial savings. In fact, bundling renters and auto insurance leads to average savings of 2.8% on car insurance premiums. The car insurance company with the cheapest bundled rate is State Farm, followed by GEICO and Progressive.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.