Home 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 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 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 lessPowered by:Average renters insurance cost in Florida by companyNationwide offers the most affordable renters insurance in Florida at an average annual rate of $140, followed by Travelers and Security First Insurance, based on our data.However, you should get multiple quotes from various renters insurance companies in Florida because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across 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$41Powered by: 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 levelThe average annual cost of renters insurance in Florida is $248, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $175 a year for renters insurance in Florida. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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$27Powered by:Average 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 in Florida by citySee rates in your cityBoca RatonFort LauderdaleMelbournePensacolaTampaAverage 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 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$17Powered by:Least 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$30Powered by:Final thoughts: Average renters insurance in FloridaRenters insurance is a must for Florida renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani GiteContributing Writer | . .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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/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 states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in FloridaBest and cheapest homeowners insurance companies in FloridaHow much does condo insurance cost in Florida in 2025? 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Most Americans don’t 1/1 Related Articles How much do claims increase home insurance rates? By Les Masterson Mobile home insurance cost and coverage in 2026 By Chris Kissell Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Homeowners insurance rates by state By Jake Safane How to switch home insurance By Leslie Kasperowicz What is dwelling coverage and how much do you need? By Lena Borrelli 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 codeFinal thoughts: Average renters insurance in Florida ZIP Code Please enter valid ZIP See rates (844) 761-9316