How to think about renters insurance in Florida: what to buy and why (2026)

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.

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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

Methodology: /methodology/rate-authority/

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