In Florida, most renters insurance projects cost between $120 and $360 per year, with a typical price near $200. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical renters insurance cost
$120 – $360
per year · typical $200
A general planning range, not a quotation.
Renters insurance cost breakdown
- Basic coverage$100 – $180typical $140
- Standard$150 – $300typical $200
- High-value items$250 – $500typical $350
At a glance
- Typical range$120 – $360
- Unitper year
- Cities covered121
What Renters Insurance costs
Annual premium for renters insurance covering personal property and liability. Basic plans start around $120; higher coverage and add-ons increase cost. Average $200/year.
By city in Florida
- Alafaya
- Altamonte Springs
- Apopka
- Aventura
- Boca Raton
- Bonita Springs
- Boynton Beach
- Bradenton
- Buenaventura Lakes
- Cape Coral
- Clearwater
- Clermont
- Coconut Creek
- Coral Gables
- Coral Springs
- Country Club
- Cutler Bay
- Davie
- Daytona Beach
- DeLand
- Deerfield Beach
- Delray Beach
- Deltona
- Doral
- Dunedin
- Egypt Lake-Leto
- Estero
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fountainebleau
- Gainesville
- Greenacres
- Hallandale Beach
- Hialeah
- Hollywood
- Homestead
- Homosassa Springs
- Horizon West
- Jacksonville
- Jupiter
- Kendale Lakes
- Kendall
- Kendall West
- Kissimmee
- Lakeland
- Land O' Lakes
- Largo
- Lauderdale Lakes
- Lauderhill
- Leesburg
- Lehigh Acres
- Margate
- Meadow Woods
- Melbourne
- Miami
- Miami Beach
- Miami Gardens
- Miramar
- Navarre
- North Fort Myers
- North Lauderdale
- North Miami
- North Miami Beach
- North Port
- Oakland Park
- Ocala
- Ocoee
- Orlando
- Ormond Beach
- Oviedo
- Palm Bay
- Palm Beach Gardens
- Palm Coast
- Palm Harbor
- Panama City
- Pembroke Pines
- Pensacola
- Pine Hills
- Pinellas Park
- Plant City
- Plantation
- Poinciana
- Pompano Beach
- Port Charlotte
- Port Orange
- Port St. Lucie
- Princeton
- Richmond West
- Riverview
- Riviera Beach
- Royal Palm Beach
- Sanford
- Sarasota
- Sebring
- South Miami Heights
- Spring Hill
- St. Augustine
- St. Petersburg
- Sunrise
- Tallahassee
- Tamarac
- Tamiami
- Tampa
- The Acreage
- The Hammocks
- The Villages
- Titusville
- Town 'n' Country
- University
- Valrico
- Vero Beach South
- Wellington
- Wesley Chapel
- West Palm Beach
- Westchester
- Weston
- Winter Garden
- Winter Haven
- Winter Springs
- Zephyrhills
Frequently asked questions
What does renters insurance typically cover?
Personal property (theft, fire, some water damage), liability for injuries to others, and additional living expenses.
Is liability coverage included?
Yes, standard policies include $100,000-$300,000 liability. Restaurants or pet injury are covered.
Can I bundle renters and auto insurance?
Yes, most insurers offer a multi-policy discount of 10-20%, saving you money on both.