Renters Insurance in Florida — Average Cost 2026
Average renters insurance in Florida: $330/year ($28/month). Florida ranks #48 out of 51 states — above the national average.
Average annual
$330
Average monthly
$28
National rank
#48
of 51 states
vs national avg
+25.5%
Florida vs national average
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Renters insurance in Florida: storm risk
Renters in Florida pay around $28/month, 25% above the national average. Renters insurance covers your belongings and liability, but standard policies exclude flood damage — a real consideration in a hurricane-prone state like Florida, where wind-driven flooding can destroy furniture and electronics a standard policy won't touch.
If your rental is in a flood zone, ask your insurer about a separate NFIP or private flood policy for personal property. Otherwise, most policies still include $100,000 in personal liability and additional living expenses if a storm makes your unit uninhabitable.