St. Petersburg Renters Insurance

(Find the right renters insurance policy for you.)

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


On average, renters in St. Petersburg, FL pay $1,246 a month for their housing. This city is made up of many different neighborhoods, so it is easy to find a location that is right for you. Whether you are renting a small apartment in Holiday Park or a 3-bedroom house in Crescent Lake, you can find an affordable renters insurance policy to cover your property. 

Independent insurance agents can help you find the best renters insurance in St. Petersburg. These local agents can obtain a variety of customized renter insurance quotes so you can be sure you are getting your policy at the best price. Contact an insurance agent near you to learn more. 

Do You Need Renters Insurance in Florida?

Although renters insurance is not required by law, some landlords require that you carry it as one of the terms of your lease. Renters insurance is designed to pay for the cost of replacing your personal property if it is damaged by hazards such as severe weather, fire, or property crimes. But this insurance can do more than just provide coverage for your personal belongings. It can also give you a significant amount of personal liability insurance so that your savings and other assets are also protected. 

How Much Does Renters Insurance Cost in St. Petersburg, FL?

You may be surprised to learn how affordable renters insurance is even in Florida, which is one of the most expensive states for coverage. In St. Petersburg, the average cost for a policy that provides $20,000 in property coverage and $100,000 in liability coverage with a $500 deductible is $433 a year. That is just $36 a month for the peace of mind of knowing that your property is covered. 

Of course, your actual rate may vary from this average amount. Rates are dependent on factors such as how much coverage you wish to buy, the size of your deductible, details about the home you are renting, and your claims history and credit score. However, this average figure can give you a good idea of what you might be expected to pay.


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Property Coverage for St. Petersburg Renters

St. Petersburg sees its fair share of tornadoes, hurricanes, and tropical storms. If a severe weather event or accidental fire damage the building you live in, your landlord is only responsible for making structural repairs. You are responsible for the repair or replacement of your personal property. Fortunately, renters insurance is designed to cover these costs. The contents insurance included in your policy can also reimburse you for losses resulting from property crimes like burglary and vandalism.  

This is of particular importance in St. Petersburg, where the burglary rate is more than double the national average. If you need to file a claim, your local insurance agent can help you. Be aware that renters insurance does not cover flood damage. Fortunately, if you are at risk, your insurance agent can also help you buy a contents-only flood insurance policy through the National Flood Insurance Program (NFIP).

Renters in St. Petersburg Can Have Liability Coverage

Most people never need to use the renters liability insurance included in their policies, but it’s good to know that it is there. It is designed to cover expenses such as court costs, lawyer fees, and damages if you are sued for a covered event such as:

  • A cooking fire gets out of control and damages your building as well as your neighbor’s belongings.
  • A friend is visiting and is seriously injured when they trip over an extension cord.
  • Your dog escapes and bites a jogger, who then needs stitches.
  • Someone sues you for libel or slander because of a post you put on social media.

Keep in mind that nearly all renters insurance policies include liability coverage for damage caused by your children, but some specifically exclude damage caused by pets. If you are a pet owner, be sure to let your insurance agent know so that a suitable policy can be found.

Renters Insurance Can Cover Temporary Housing Expenses

What would you do if a hurricane destroyed the roof of your apartment building and you had to move out while the structure was brought back up to code? Or what if faulty wiring caused a fire and left your home uninhabitable until repairs were made? Your landlord is not required to cover your temporary living costs. 

Fortunately, renters insurance has your back. Your renters insurance policy can cover your temporary housing costs as well as provide you with a food allowance, mileage reimbursement (if you must drive further to get to work), and other related expenses. Talk to your local insurance agent to learn more about this coverage.

Why Work with an Independent Insurance Agent in St. Petersburg, FL?

Renters insurance is an inexpensive way to prevent disasters from causing you financial distress. Independent insurance agents make it easy to compare customized quotes so you can quickly find the coverage you need at a price you can afford. Your agent may even be able to help you get discounts on other policies like car insurance or life insurance if you bundle your coverage.

Find an insurance agent in or near St. Petersburg to get started.

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