Renters Insurance in Florida: 2026 Rates, Coverage & Carriers
The average Florida renter pays $19/month for standard HO-4 coverage. Hurricane + storm surge (flood sold separately) requires separate policy.
Updated May 21, 2026 · Methodology
| Coverage | Avg monthly | Avg annual | Required by state? |
|---|---|---|---|
| Standard HO-4 ($30K PP / $100K liab) | $19 | $228 | No |
| Enhanced ($50K PP / $300K liab) | $25 | $296 | — |
| State minimum (where applicable) | $13 | $160 | — |
- CoverageStandard HO-4 ($30K PP / $100K liab)Avg monthly$19Avg annual$228Required by state?No
- CoverageEnhanced ($50K PP / $300K liab)Avg monthly$25Avg annual$296Required by state?—
- CoverageState minimum (where applicable)Avg monthly$13Avg annual$160Required by state?—
The average Florida renter pays roughly $19/month for standard HO-4 renters insurance covering $30K personal property + $100K liability + loss-of-use. That’s above the national median ($15/mo). Florida HO-4 covers wind/named-storm damage to personal property but not flood / storm surge.
- Renters insurance is not required by Florida state law — but always recommended.
- Florida has hurricane + storm surge (flood sold separately). Standard HO-4 covers wind but not flood/earthquake.
- Bundling with auto saves 5–8% on both lines — even renters bundling helps.
Get Florida renters quotes
2-minute binding comparison.
What Florida renters insurance covers
Standard HO-4 covers four things: personal property (against theft, fire, water damage from above, and most other named perils), liability if someone is hurt at your place or you damage someone else’s property, additional living expenses if your unit becomes uninhabitable, and medical payments for minor guest injuries.
What it doesn’t cover: the building itself (your landlord’s policy), floods (separate policy), or earthquakes (separate endorsement in earthquake-prone states like parts of the West).
| Carrier | Avg monthly | Notes |
|---|---|---|
| State Farm | $15 | Cheapest overall |
| Allstate | $17 | Strong agent support |
| Liberty Mutual | $19 | Customizable PP limits |
| Progressive | $20 | Best digital experience |
| Travelers | $21 | Apartment-building endorsements |
- CarrierState FarmAvg monthly$15NotesCheapest overall
- CarrierAllstateAvg monthly$17NotesStrong agent support
- CarrierLiberty MutualAvg monthly$19NotesCustomizable PP limits
- CarrierProgressiveAvg monthly$20NotesBest digital experience
- CarrierTravelersAvg monthly$21NotesApartment-building endorsements
| City | Avg monthly | Notes |
|---|---|---|
| Miami | $22/mo | Highest claim density |
| Tampa | $21/mo | Mid-tier metro |
| Orlando | $20/mo | Suburban density |
| Jacksonville | $18/mo | Lower density |
- CityMiamiAvg monthly$22/moNotesHighest claim density
- CityTampaAvg monthly$21/moNotesMid-tier metro
- CityOrlandoAvg monthly$20/moNotesSuburban density
- CityJacksonvilleAvg monthly$18/moNotesLower density
How to get Florida renters quotes
- 1Enter ZIP
Your Florida ZIP determines available carriers.
- 2Pick coverage
Default $30K PP / $100K liability for most renters.
- 3Submit
About 90 seconds.
- 4Compare
Side-by-side binding quotes.
- 5Bind
Same-day binding standard.
Frequently asked questions
Is renters insurance required in Florida?
Does Florida renters insurance cover hurricane?
Does my roommate need their own policy?
What's the cheapest carrier in Florida?
Will filing a claim raise my rate?
Sources
- Florida Department of Insurance
- NAIC — Renters Insurance Consumer Guidance
- Insurance Information Institute — Renters Topics
Methodology
Florida renters rates from 95K shopper-submitted binding quotes through Insurances Quote (Jan 2024 – May 2026), normalized to $30K personal property + $100K liability + $500 deductible.
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