How to think about renters insurance in Florida: what to buy and why
Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.
For most Florida renters, $30K personal property + $100K liability is enough. Lemonade typically files lowest at $12-18/mo; the bundled-with-auto play is the next consideration if you have an auto policy with State Farm or Allstate.
Get your specific Florida renters quote in 60 seconds →
How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.
- State DOI / SERFF filings — public rate filings, refreshed daily.
- NAIC published averages — annual state aggregates (currently 2023, latest released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.
Methodology: /methodology/rate-authority/
How to think about this
Florida’s insurance market is restructuring after the 2022 legislative reforms (SB 2A) eliminated assignment-of-benefits abuse and capped attorney-fee multipliers. Carriers that had exited or were on the brink of insolvency are starting to write new business again, but home rates remain among the highest in the country.
Florida-specific things to know
- PIP (no-fault) auto insurance is required by Florida statute; $10K minimum medical coverage.
- Citizens Property Insurance is the state-run insurer of last resort; ~1.2M policies as of late 2024.
- SB 2A (2022) eliminated AOB abuse, capped contingency-fee multipliers, and required a one-way attorney-fee statute repeal.
When the recommendation changes
Compare actual quotes with Sage →