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. Renters insurance costs in Florida vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Florida pay $248 per year or $21 per month for a policy that includes $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 monthIn Florida, the average monthly cost of renters insurance is $21. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$21$1 lessAverage renters insurance cost in Florida by companyRenters in Florida can find the most budget-friendly insurance with Nationwide, which has an average annual cost of $140, according to our data. Other affordable options include Travelers and Security First Insurance.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers 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 levelAs we discussed above, the average cost of renters insurance in Florida is $248 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $175 per year for renters insurance in Florida, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Florida for personal property coverage amounts 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 premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Florida and find the best fit for your budget.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 codeThe cost of renters insurance in Florida varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Florida.Most affordable ZIP codes for renters insurance in FloridaThe amount Florida renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 34223 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $201.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Florida.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 FloridaAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Florida is 33013, with an average cost of $424 a year or $35 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Florida. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate33013Hialeah$424$3533055Miami Gardens$370$3133195Miami$363$3033169Golden Glades$363$3033056Miami Gardens$363$30Final 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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