Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Florida Average renters insurance cost in Florida Discover the average cost of renters insurance in Florida and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Florida, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $248 annually or $21 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Florida is $248 per year or $21 per month.Nationwide provides the least expensive renters insurance in Florida at an average rate of $140 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Florida. Average renters insurance cost in Florida per monthThe average cost of renters insurance in Florida is $21 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$21$1 lessAverage renters insurance cost in Florida by companyAccording to our data, Nationwide provides the most affordable renters insurance in Florida, with an average annual rate of $140, followed by Travelers and Security First Insurance.Getting quotes from multiple renters insurance companies in Florida is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Florida.CompanyAverage annual rateAverage monthly rateNationwide$140$12Travelers$185$15Security First Insurance$198$16Universal Insurance Holding$212$18FedNat Holding$221$18Allstate$227$19State Farm$258$22Amer Integrity Ins Co of FL$266$22Progressive$268$22Citizens Property Insurance$344$29HCI Group Inc$489$41 Renters insurance calculator in Florida Select your state Florida Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $230/year Estimated renters insurance rates in Florida $19 Monthly renters insurance cost in Florida -7% Compared to national average Get quotes Average cost of renters insurance in Florida by coverage levelOn average, Florida renters pay $248 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Florida to $185 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Florida for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$173$14$20,000 with $500 Deductible and $300,000 Liability$190$16$20,000 with $1,000 Deductible and $100,000 Liability$159$13$20,000 with $1,000 Deductible and $300,000 Liability$175$15$40,000 with $500 Deductible and $100,000 Liability$254$21$40,000 with $500 Deductible and $300,000 Liability$272$23$40,000 with $1,000 Deductible and $100,000 Liability$230$19$40,000 with $1,000 Deductible and $300,000 Liability$248$21$60,000 with $500 Deductible and $100,000 Liability$339$28$60,000 with $500 Deductible and $300,000 Liability$357$30$60,000 with $1,000 Deductible and $100,000 Liability$306$25$60,000 with $1,000 Deductible and $300,000 Liability$324$27Average cost of renters insurance in Florida by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Florida.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Florida by cityBoca RatonFort LauderdaleHavanaMelbourneMount DoraPensacolaSan AntonioSydneyTampaAverage cost of renters insurance in Florida by ZIP codeIn Florida, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in FloridaIn Florida, your ZIP code plays a major role in determining your premiums. Based on our data, 34223 is the most affordable ZIP code for renters insurance, with an average annual cost of $201.Comparing quotes from multiple insurers in Florida is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate34223Englewood$201$1734275Laurel$201$1733703St. Petersburg$202$1734134Bonita Springs$204$1733713St. Petersburg$204$1732033Elkton$204$1732145Flagler Estates$204$1732086St. Augustine$205$1732648Horseshoe Beach$205$1733704St. Petersburg$205$17Least affordable ZIP codes for renters insurance in Florida33013 is the most expensive ZIP code for renters insurance in Florida, at an average cost of $424 annually or $35 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Florida. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate33013Hialeah$424$3533055Miami Gardens$370$3133195Miami$363$3033169Golden Glades$363$3033056Miami Gardens$363$30Renters and auto bundle discounts in FloridaBundling your renters and auto insurance policies is one of the easiest ways to lower your Florida insurance rates.Bundling your policies can lead to an average annual savings of 7% in Florida. We found that State Farm provides the most affordable rates for a renters and auto insurance bundle, allowing you to save up to 4% on your premiums each year.CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$2,341$964%Geico$2,468$733%Travelers$2,537$1345%Nationwide$2,577$944%Farmers$3,716$58013%National General Insurance$4,258$2035%Allstate$5,011$55710%Final thoughts: Average renters insurance in FloridaRenters insurance is a must-have for renters in Florida. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Florida Average homeowners insurance cost in Florida Average car insurance cost in Florida Non-owner car insurance in Florida Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite How to switch home insurance By Leslie Kasperowicz Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page Average renters insurance cost in Florida per monthAverage renters insurance cost in Florida by companyAverage cost of renters insurance in Florida by coverage levelAverage cost of renters insurance in Florida by cityAverage cost of renters insurance in Florida by ZIP codeRenters and auto bundle discounts in FloridaFinal thoughts: Average renters insurance in Florida ZIP Code Please enter valid ZIP See rates