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How much is renters insurance in Miami?
I’m looking into renting an apartment in Florida. How much is renters insurance in Miami?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The average annual cost of renters insurance in Miami is $151 per year or $13 per month.
A typical renters policy in Miami could cost you anywhere between $130 and $190 per year.
While your city does play a major role in determining how high or low your premium will be, there are several other factors that have an impact:
- Coverage limit
- Deductible
- Specific zip code
If you need less coverage—and you’re willing to pay for a higher
deductible
—you can probably get a renters policy at the lower end of the price continuum.You shouldn’t skimp on coverage, however. Make sure you get a policy that offers enough protection to replace your most important possessions if disaster strikes. If you have any special items (rare, extremely valuable), you should look into additional endorsements. Otherwise, these items could be excluded.
Keep in mind that landlords can require their tenants to carry a certain amount of
liability coverage
. While renters insurance is not legally required in Florida, your landlord may demand that you take out a policy to their specified limit. Check with them before you buy a policy.Of course, the best strategy for finding the lowest rate is to shop around with multiple companies.
If you need a
renters insurance
policy—or if you have questions about navigating the insurance shopping process—use the Jerry
to quickly compare rates and sign up for an affordable policy. Our agents are available via phone and text. Hope this is helpful—and hope you find a great apartment!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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