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How much is renters insurance per month in Florida?
I am considering moving into an apartment building in Florida. The landlord requires renters insurance. How much is renters insurance per month in Florida?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The average monthly renters insurance premium in Florida is $16.
While renters insurance is not legally required by Florida law, landlords can require that tenants carry it. This helps share the risk between renters and landlords in case disaster strikes. Before you buy a policy, check with your landlord to see if they require a specific policy limit.
$16 may sound like a lot of money for something you may never use—but renters insurance offers you a lot of benefits:
- Reimbursement if your stuff is lost or damaged (subject to your policy limit)
- Personal liability coverage
- Medical expenses if someone gets injured on your property
- Temporary living expenses via loss of use coverage if your building becomes uninhabitable
You could pay more or less than $16, however. If your building is located in a neighborhood with higher crime rates, you may pay more. If you don’t need a ton of coverage, your monthly premium could be much lower.
Here are a few tips that could help lower your cost:
- Choose a low-risk area (not in a flood zone, low crime rates)
- Choose a newer building
- Choose a higher deductible
- Shop around with multiple companies to find the lowest possible rate
If you need
renters insurance
fast, use the Jerry
to quickly compare rates and sign up for an affordable policy. Our friendly agents can answer questions and help you navigate the process. Most landlords do not require proof of insurance to apply, but you may need to show documentation before signing the lease.
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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