Best and Cheapest Renters Insurance in Florida (2025)

Last updated Aug 03, 2025

Florida renters typically pay about $18 per month — not bad considering the state’s vulnerability to hurricanes, flooding, and mold. Whether you’re renting in Miami, Orlando, or along the coast, insurance brings peace of mind when the storms roll in.

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With rising awareness of flood zones and disaster prep, many Florida renters are treating insurance as an essential cost of living, not just a nice-to-have.

How much are people paying for Renters Insurance in Florida?

Here's what renters across Florida — including Orlando, Cape Coral, Trenton, North Fort Myers, and Floral City — are actually paying today, based on real policy quotes from SafeButler.

Quote Date City Monthly Premium Property Type Age Group
Aug. 12, 2025 Orlando, Florida $16 Apartment 35–44
Aug. 12, 2025 Cape Coral, Florida $18 Apartment 25–34
Aug. 12, 2025 Trenton, Florida $16 Apartment 18–24
Aug. 12, 2025 North Fort Myers, Florida $17 Apartment 18–24
Aug. 12, 2025 Floral City, Florida $14 Apartment 25–34

* Selected, anonymized quotes from past submissions. Last updated: Aug. 12, 2025.

Renters insurance is one of the most affordable insurance in your daily life but can protect you financially from many risks. Florida tenants pay higher than the national average. The chart below compares four states with close premiums and the national average.

A bar chart comparing Renters insurance in Florida

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Why do YOU need Renters Insurance?

Although renters insurance is not required by law in Florida, apartment complexes and landlords often need tenants to purchase Renters Insurance before signing the lease agreement. Because the landlord's insurance only covers the damage to the actual dwelling, your renters insurance will protect your belongings inside the apartment in case of fire, theft, or injury.

What factors impact the Renters Insurance premium?

  • The amount of coverage you chose
    • The value of your personal property and whether your policy covers ACV or replacement costs
    • The amount of your deductible
    • The amount of liability coverage you choose
  • The location of your rental home
    Are the crime rates exceptionally high in your neighborhood? Rates may be higher as a result. Is the area prone to higher risks for wind or hurricane damage? These factors matter as well.
  • Discounts
    You may be eligible for discounts if you have purchased other insurance policies with the provider or bundled your insurance. There are also discounts available for renters with added security features- such as deadbolt locks, security systems, smoke detectors, etc.

What are the Florida renters insurance discounts?

Most carriers provide various discounts for renters insurance, just like auto insurance. Here are some most common deals.

Discount Description
Multi-Policy If you purchase both renters and auto insurance from the same company, you may qualify for a discount for the auto insurance.
Secure Home Secure home If you have extinguishers or burglar alarm devices or are in a gated community, you may qualify for the secured home discount. It averages about 5% from quite a few carriers.
Claim-free Just like auto insurance is lower for accident-free drivers, renters insurance is also cheaper for claim-free tenants. If you have never reported any claims, you will qualify for claim-free discounts from several carriers.
Age Usually, for renters insurance, older people pay less than younger people for a similar property. If you're a college student trying to find a renters policy for your apartment near school, you will pay more.
Good Credit A customer with a credit score higher than 700 can often get a better rate than those who don’t.
Pay-in-full If the carrier supports monthly and yearly payments, paying in full will usually give you a discount. In other words, if you choose to pay monthly, you should pay attention to the extra fee your carrier charges.
Paperless A few providers have paperless discounts if you opt-in. But more modern insurance companies will give you a competitive offer directly with more digitalized systems.

What are the risks to consider in Florida?

Florida tenants face the risks of natural hazards such as fire, hurricane, and freezing. However, most renters insurance policies do not cover damages to your personal property caused by a flood or an earthquake. Therefore, it is also a good idea to check with your insurance agent and learn more about what policies cover these specific disasters.

risk in Florida - Fire
Fire
risk in Florida - Hurricane
Hurricane
risk in Florida - Freezing
Freezing

Last but not least, thanks to the increased risk of the exposure of personal information on the Internet in today's digital world, it is also essential to check if your renter's insurance provides identity theft protection.

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Renters Insurance Rates for Cities in Florida

We compiled data about Renters Insurance rates for every city in Florida. A word of caution, as you explore the list below, there is no doubt you will find a wide price range.

References

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Disclaimer
Our articles are informational and should not be considered legal or financial advice. Our articles are not written or reviewed by insurance agents. Consult your policies with your agent or a professional for details regarding terms, conditions, coverage, exclusions, products, services, and programs.

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