Popular QuestionsFull analysis of weather, property crime rates and insurance costs in your city.

How much does renters insurance cost in Florida?
  • National yearly average: $188
  • Florida yearly average: $208 

The average cost for renters insurance across the United States is $188 per year, but Florida renters pay a bit more, with an average of $208 per year. Make sure you're getting the best rate on renters insurance by comparing quotes from several companies before you purchase a policy.

What does Florida renters insurance cover?

Many renters assume that they don't need insurance. After all, the landlord probably already has a homeowners insurance policy in place for the property. However, Florida renters insurance is crucial because the landlord's insurance covers only the actual building or the property that your landlord owns. None of your personal belongings will be covered if there's a fire, flood or robbery. Renters insurance is designed to protect your personal property and to safeguard you from liability for injuries or damage that happen on your watch.

Here's what your renters insurance does for you:

  • Pays for someone else's injuries or property damage when it's your fault. Example: You accidentally cause water damage that spreads to neighboring units.
  • Pays for repairs to your belongings. Example: Someone breaks into your apartment and steals your brand-new TV.
  • Pays for temporary living expenses when your home is damaged. Example: You need a hotel while your apartment gets repaired after a kitchen fire. 
When is my landlord responsible?

Your landlord's responsibility is to have insurance to protect the actual structure of the building and any contents inside that are included with the home. For example, if the landlord provided your appliances, then purchasing insurance on those appliances is the landlord's responsibility.

Find the best Florida renters insurance today.

If you are searching for the best renters insurance in Florida, start by looking for an independent insurance agent in your area. Independent agents aren't locked into one carrier's rates, so they are free to quote from multiple policies and can help you score the lowest premiums on the best coverage.

InformationFind the Best Renters Insurance in Your City

How Does Your City Measure Up?

Boca Raton

Average Cost of Boca Raton Renters Insurance: $28 per month

Your renters insurance premium will depend on where your home or apartment is located, the value of your personal belongings you need to cover and the crime rate in your neighborhood. The actual monthly cost could be slightly higher or lower than the average.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 38 people experience property crime in Boca Raton

In cities where the crime rate is high, the cost for renters insurance tends to increase. In Boca Raton, the risk for property crime is slightly lower than the state average, which could help keep your insurance rates low.

Weather

  • Hurricanes
  • Tropical storms
  • Fires

Boca Raton faces a high risk of natural disasters compared with the average city in the United States. The increased threat of hurricanes, tropical storms and fires could increase renters insurance rates in your area.

Boynton Beach

Average Cost of Boynton Beach Renters Insurance: $28 per month

Depending on the location and square footage of your apartment or home and the crime in your neighborhood, your actual rate could be slightly more or less than the average.

Property Crime Rate

1 in 23 people experience property crime in Boynton Beach

Theft and vandalism are ongoing problems in Boynton Beach. You're more likely to face property crimes in this city compared with other parts of Florida, which could raise rates for renters insurance.

Weather

  • Hurricanes
  • Tropical storms
  • Fires

As a coastal city, Boynton Beach tends to have a high risk of natural disasters. With frequent hurricanes, tropical storms, fires and flooding, renters insurance rates could be higher in this city, thanks to the elevated threat.

Clearwater

Average Cost of Clearwater Renters Insurance: $27 per month

Your personalized premium could be slightly more or less than the average. It all depends on your rental home's location and square footage and the risk of property crimes and natural disasters in your neighborhood.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 26 people experience property crime in Clearwater

When you rent a home in Clearwater, you'll face a higher risk of property crimes compared with the state average. This could cause a slight increase in your renters insurance premiums.

Weather

  • Hurricanes
  • Fires
  • Floods

Clearwater has faced a number of natural disasters over the years. As a coastal city, it has a higher risk of hurricanes, fires and flooding. This could lead to higher rates for renters insurance.

Coconut Creek

Average Cost of Coconut Creek Renters Insurance: $27 per month

Your renters insurance premium will depend on the location of your home, the home's square footage, and the local crime rate. Your customized premium could be slightly more or less than the city average.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 46 people experience property crime in Coconut Creek

One of the perks of living in Coconut Creek is the low crime rate. Compared with other cities in Florida, renters in Coconut Creek face a much lower risk of property crime, which could help you score some savings on your renters insurance.

Weather

  • Hurricanes
  • Fires
  • Floods

Coconut Creek has a high risk of natural disasters, with its long list of hurricanes, fires and flooding. This elevated threat for weather damage could increase insurance rates for renters.

Daytona Beach

Average Cost of Daytona Beach Renters Insurance: $24 per month

Your renters insurance premium is based on several variables like the size of your home or apartment, its location, and the crime rate in your neighborhood.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 15 people experience property crime in Daytona Beach

Daytona Beach's high crime rate is a serious concern for renters. With an elevated risk of theft and vandalism, you could see a spike in renters insurance rates.

Weather

  • Hurricanes
  • Tornadoes
  • Floods

Living in a beachfront city tends to increase your risk of encountering serious weather events. In Daytona Beach, natural disasters are very likely, which could cause an increase renters insurance rates.

Delray Beach

Average Cost of Delray Beach Renters Insurance: $25 per month

Premiums for renters insurance vary from one tenant to the next. Your actual rate will be based on several factors like where you live, the size of your home or apartment, and the risk of property crimes in your neighborhood.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 27 people experience property crime in Delray Beach

By renting a home in Delray Beach, you face an increased risk of property crimes compared with the state average. The elevated threat of vandalism and theft tends to make renters insurance rates more expensive in this area.

Weather

  • Hurricanes
  • Tropical storms
  • Fires

Delray Beach is a high-risk area for natural disasters. Serious storms can cause major damage to local homes and increase risks for renters. This could drive up rates for Delray Beach renters insurance.

Destin

Average Cost of Destin Renters Insurance: $27 per month

Depending on the size and location of your home or apartment and the crime rate in your neighborhood, your actual renters insurance rate could be slightly higher or lower than the average.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 48 people experience property crime in Destin

Destin has a crime rate that is much lower than the state average. With lower risks of theft and vandalism, you could see some cost savings on your renters insurance premiums.

Weather

  • Hurricanes
  • Tropical storms
  • Floods

Destin has seen a number of serious weather events over the years, ranging from dangerous hurricanes to damaging floods. The high risk of natural disasters could cause an increase in the cost for Destin renters insurance.

Fort Lauderdale

Average Cost of Fort Lauderdale Renters Insurance: $30 per month

Renters insurance rates are based on several factors like your ZIP code, the size of your home and the crime rate in your city. Actual rates in Fort Lauderdale may be slightly higher or lower than the average.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 18 people experience property crime in Fort Lauderdale

Living in Fort Lauderdale puts you at an increased risk of theft and home invasions. The high crime threat tends to drive up renters insurance rates in this area.

Weather

  • Hurricanes
  • Fires
  • Floods

Over the years, Fort Lauderdale has experienced more natural disasters than the average American city. The increased risk of hurricanes, fires and floods might drive up rates on insurance for renters.

Fort Pierce

Average Cost of Fort Pierce Renters Insurance: $27 per month

Depending on the crime rate in your neighborhood, the size of your home and the total value of your personal possessions, your customized renters insurance premium could be higher or lower than the city average.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 22 people experience property crime in Fort Pierce

To put it simply, high crime rates lead to higher costs for renters insurance. By living in Fort Pierce, you face a higher risk of encountering property crimes, so you might have to pay slightly higher rates for renters insurance.

Weather

  • Hurricanes

Living in a city with a history of natural disasters can result in an increase in your renters insurance rates. In Fort Pierce, the risk of weather-related disasters is lower than the national average, but hurricanes do happen occasionally. Overall, it's probably not a big enough risk to cause much change to your renters insurance premium.

Fort Walton Beach

Average Cost of Fort Walton Beach Renters Insurance: $24 per month

Renters insurance rates are based on your unique situation. Variables like the crime rate in your neighborhood, your risk of weather-related disasters and your previous claims can all impact your cost for renters insurance in Fort Walton Beach.

Here are some city factors that will affect your rate:

Property Crime Rate

1 in 31 people experience property crime in Fort Walton Beach

High crime rates tend to drive up costs for renters insurance. In Fort Walton Beach, your risk of property crimes is slightly higher than the average across Florida, so you could see a slight increase in your premium.

Weather

  • Hurricanes
  • Floods
  • Tropical storms

The risk of natural disasters in Fort Walton Beach is significantly higher than the national average. There have been a number of weather-related emergencies in this city, and the chances of damage from hurricanes and floods will likely drive up rates on renters insurance.