Florida’s gorgeous beaches and temperate climate make it an ideal place to rent a home.

However, if you move into a new home in Florida, you’ll want to make sure you have renters insurance.

Florida is known for hurricanes and storms, and your landlord’s insurance policy does not cover your possessions.  

Choosing renters insurance really doesn’t have to be hard and below we help make it easier to understand.

Our #1 Pick

geico logo

The cost of renters insurance in Florida varies, depending on coverage and exact location. Our number one selection for the best overall renters insurance is Geico. With a solid BBB and A.M. Best rating, it comes out above the others. 

renters insurance florida

Find Out Who Made Our Best Cheap Renters Insurance In Florida

Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.

renters insurance florida

Find Out Who Made Our Best Cheap Renters Insurance In Florida

Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.

1. GEICO

5.0

geico logo
  • Rated A by the BBB and A- by A.M. Best  
  • Geico’s renters insurance policies are the cheapest in the state.
  • Geico provides online accessibility together with a low cost for their renters insurance. Their coverage is the industry standard, and you can purchase additional coverage options if you would like.
  • Typical for renters insurance in Florida, you’ll have to pay a separate hurricane deductible if a storm damages your possessions. For Geico, the deductible is $1000, and there is no way to adjust that amount.

2. Liberty Mutual

4.5

liberty mutual logo
  • Rated by A by the BBB and A by A.M. Best 
  • Liberty Mutual is best for young tenants.
  • Filing a claim is quick and takes less than five minutes.
  • Is it your first time purchasing renters insurance? Liberty Mutual’s insurance estimate calculator will help you determine your monthly cost by adding up the value of your possessions.
  • Discounts are available, and you can file a claim online or through the mobile app 24/7. They also have representatives if you’d prefer to call.  


3. Progressive

4.0

progressive logo
  • Rated A+ by the BBB and A.M. Best 
  • Flood insurance is available as an add-on to your policy. 
  • Progressive is the best company for discounts and customer service. 
  • Progressive offers many types of discounts, especially if you choose to bundle different types of insurance products. They also provide other discounts, such as a reduced rate if you go paperless or pay your premium upfront. 

4. Quote Wizard

4.0

quote wizard logo
  • Rated A+ by the BBB 
  • Quote Wizard is an ideal resource if you are looking for price comparisons for rental insurance. Florida has many insurance providers, and Quote Wizard will provide you with an overview that compares coverage and price.
  • Quote Wizard is not an insurance company. It only takes a few minutes to answer ten questions, and then Quote Wizard will email you with different quotes so you can select your best match for renters insurance. 

5. Amica

4.5

amica logo
  • Rated A+ by the BBB and A.M. Best 
  • Amica has the best customer service for renters insurance. 
  • Amica offers an option where you can receive credit (from your renters insurance) toward your homeowners or condo insurance. If you’re thinking about purchasing a home in the future, this might be worth considering.
  • A J.D. Power study ranked Amica highest in property claims experience for the eighth year in a row. The ranking means that their customer service experience is very highly rated. When you have to file a claim, you want good customer service. 

Is Renters Insurance Required in Florida?

The state of Florida does not require renters insurance. However, a landlord might require you to have proof of renters insurance before signing a lease.

Landlords can demand that tenants have a certain amount of coverage. They may also expect you to make them an “additional insured” individual.

You could choose to live somewhere else, rather than oblige the landlord’s demands, but it is a good idea to consider renters insurance and protect your possessions. 

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

What Does Florida Renters Insurance Cover?

For 2021, there are several standard areas of coverage for renters insurance. Florida is known for its hurricanes, and so you might want to consider extra coverage, which we’ll review.  

There are four main areas your renters insurance will cover.

Personal property

Personal Property coverage is what you will use if you lose your belongings, or a covered event destroys them.

This type of insurance covers your property against theft and damage.  The insurance company will reimburse you for your possessions under this coverage.

Personal liability

Personal Liability coverage means that if someone hurts themselves in your home and decides that they want to sue you, the insurance company will pay for legal fees and costs. They will also cover any settlement that occurs up to the limit of the coverage. 

Medical payments

Medical payments go hand in hand with personal liability coverage. If someone sues you because they hurt themselves at your house, this coverage will take care of their medical bills.  

Loss Of Use

If your home becomes unlivable, you will use this portion of your policy. The insurance company will reimburse your costs of staying somewhere else during the repair of your home. 

Most insurance companies have a different amount of time or money that they allow. 

INSURANCE WHERE YOU LIVE

Renters insurance by state.

What Does Renters Insurance Not Cover in Florida?

It's a great thing to be covered with renters insurance; however, I don't want you to think it covers you for everything.

There are some things that absolutely NO renters insurance policy will cover, no matter if they are the best renter insurance company and we list them below:

Floods

Most insurance companies allow you to add optional flood coverage to your renters insurance policy. When you add this coverage, the National Flood Insurance Program is usually the underwriter of the policy.

Earthquakes

Although earthquakes are not common in Florida, they do sometimes occur. If you want your renters insurance policy to include earthquake coverage, you will need to look into supplemental insurance. 

Dangerous Dogs

Like with other renters insurance plans, certain dog breeds are seen as higher-risk than others, and so a few breeds are excluded from liability protection. 

Intentional Acts

No matter the insurance company or the type of insurance product, there isn't any insurance carrier that will pay out for a loss caused by an intentional act.

As you can see, if you need the best renters insurance in NYC or California,  you are still going to need additional coverage for anything that might not be covered.

Will Renters Insurance Cover My Roommate? 

Renters insurance can cover your roommate. It all depends on what names are on the policy. As long as your roommate’s name is on the policy, they have coverage.

If their name isn’t there, they’ll need a policy of their own if they want their personal belongings to have coverage. 

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

How to apply for Florida renters insurance

Applying for renters insurance is fast and straightforward in FL. You can do it online very quickly. 

View Your Instant Quote

First, you want to click here or any of the above buttons to start the quote process, you won't need any personal information other than the address to get your quotes fast. Once you have your quotes and pick the coverage option that works best for you, it's time to get covered.

Get Your Personal Information Together

You will need your name, address, and Social Security number. The online forms guide you through several questions to learn more about the rental you will be living in and what coverage you need. 

Start Your Online Application

Once you have all of your personal information together, your next step will be to start the application. This will be easy by just following the prompts after you complete your quote. 

Know The Safety Features Of Your Rental 

The application might ask about smoke detectors, sprinkler systems, and deadbolts. The best renters insurance will offer discounts for those features.

Sometimes, the intake form may also ask if you have pets, especially certain dog breeds. Overall the process can take less than five minutes. 

Answer Your Questions Honestly

Be sure to answer every question, truthfully. If you do not, and something happens, the company may deny your claim. Even if they do not deny your claim, you still may be committing fraud. 

Add Any Additional Interest

Some landlords may require you to add them as an additional interest; this will let them know if the policy has lapsed or when you have renewed your policy. Most companies can add this during the application process or immediately afterward.

Print Your Proof Of Insurance

Once your policy has been approved and paid for, simply print out your proof of insurance, and you're covered.

Take Action 

The best cheap renters insurance in Florida is Geico, with Amica coming in second place for those who value customer service.

Geico provides the best overall value, and with solid A.M. Best and BBB ratings, you know your personal belongings will be well-covered. 

Don't waste any time thinking about this, if you need renters insurance, we’ve done the hard work for you. Get your free renters insurance quote today.


Aten-Re El

About the author

Aten-Re El is a Co-Founder and Chief Operating Officer of Simply Insurance as well as a licensed life & health insurance agent with over 11 years of experience. Aten-Re is responsible for the daily operations of Simply Insurance and building and procuring strong client relationships with our insurance partners.

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