Florida Renters Insurance: $15/mo NAIC baseline

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

Florida renters insurance averages $15/mo (NAIC 2023 published baseline). No new Florida filings in the past 30 days, so the baseline is the best available reference point.

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Why this pick

Florida home insurance ($2,385/yr NAIC 2023) is high but isn’t the most expensive — Oklahoma’s $2,810/yr beats it. Florida’s distinguishing feature is volatility: 7 carriers became insolvent in 2022-2023, and Citizens (the state-run insurer of last resort) ballooned to over 1.4 million policies before reforms cooled the market.

How PolicyChat sources this data

Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/

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