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Best Renters Insurance in Tallahassee, FL

Aug. 26, 2019, 5:03 p.m.

Renters insurance protects you from financial loss if something happens within your home. An excellent rental insurance provider is transparent about policy terms and makes it easy to file a claim and receive your money. Our partners at ConsumerAffairs researched the best renters insurance in Tallahassee so you never have to panic about your finances when disaster strikes.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC 27 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Tallahassee
Read More
Location
Serves residents in
Tallahassee, FL
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Tallahassee
Read More
Location
Serves residents in
Tallahassee, FL
(855) 522-3444
Southern Financial Insurance Group, LLC
Southern Financial Insurance Group, LLC
Features
  • Coverage of valuable property
  • Works with insurance carriers
  • Client Insurance Portal available online
  • Trusted Choice® agency
Location
2750 Chancellorsville Dr.
Tallahassee, FL 32312
(850) 521-3075
GreatFlorida Insurance: Joe Altenburg
GreatFlorida Insurance: Joe Altenburg
Features
  • Coverage for damage from natural disasters
  • Customizable policies
  • Variety of payment plans & options
  • Budget-friendly coverage
Location
2522 Capital Cir. NE, Ste. 4
Tallahassee, FL 32308
(850) 523-0605
Pichard Insurance Agency, Inc.
Pichard Insurance Agency, Inc.
Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • pichardinsurance.com
Location
216 Office Plz.
Tallahassee, FL 32301
(850) 877-8029
GEICO Insurance: Jim Smith
GEICO Insurance: Jim Smith
Features
  • M-F: 9am - 5:30pm
  • Sat: 9am - 12pm
  • Closed Sun
  • geico.com/insurance-agents/florida/tallahassee/jim-smith
Location
313 N. Monroe St., Ste. 102
Tallahassee, FL 32301
(850) 778-4000
Allstate Insurance: Jeff Ard
Allstate Insurance: Jeff Ard
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • agents.allstate.com/jeff-ard-tallahassee-fl.html
Location
1594 Capital Cir. NW, Ste. 2
Tallahassee, FL 32303
(850) 575-2533
State Farm Insurance: Jerrell Lowery
State Farm Insurance: Jerrell Lowery
Features
  • M-F: 9am - 5pm
  • Sat and after hours by appt.
  • Closed Sun
  • statefarm.com
Location
1660 N. Monroe St., Ste. 9B
Tallahassee, FL 32303
(850) 385-1601
Hamrick Insurance Associates
Hamrick Insurance Associates
Features
  • M-F: 8am - 4:30pm
  • Closed Sat and Sun
  • hamrickinsurance.net
Location
2600 Centennial Pl., Ste. 200
Tallahassee, FL 32308
(850) 877-3108

How to choose rental insurance in Tallahassee

Tallahassee skyline

Over 60 percent of renters nationwide do not have a renters insurance policy. While a landlord’s insurance policy takes care of structural and cosmetic damage, you are unprotected when perils like water from broken pipes, theft or fire ruin your belongings or someone gets injured in your home. Even fires that don’t fully breach your apartment or house can ruin most of your things through smoke and soot damage.

Items such as your clothing, high-end electronics and furniture alone can cost $10,000 or more to replace.

Losing your belongings can be devastating for the many college students in Tallahassee who rent apartments in areas near Florida State University like Campus Circle and even midtown Tallahassee.

Similarly, Tallahassee's senior citizens on a retirement budget may find it equally overwhelming to replace a lifetime of belongings.

Renters insurance in Tallahassee also covers you if any visitors or their belongings are hurt while in your home and potentially compensates you for temporary living arrangements should you have to leave your apartment or house because it’s uninhabitable.

It's crucial that tenants in Tallahassee are aware of what their renters insurance policy likely doesn’t cover, including damage from:

  • Natural disasters common to Tallahassee, such as flooding from a named storm and sinkholes
  • Sewer backups or the cleanup associated with it
  • Pests including rodents and bedbugs

The Florida Department of Financial Services has a toolkit tenants can use to get more renters insurance information and how to start the claims process.

How much does renters insurance cost in Tallahassee?

With renters insurance, the cost to replace your personal belongings could be as low as the price of the insurance policy, an average of $181 per year in Florida. Factors that may influence the price of your renters insurance in Tallahassee include:

  • Coverage selections
  • Deductible amounts
  • Type of residence
  • Pets in the home
  • Location
  • Credit scores

When taking out a policy, you must choose between replacement cost and actual cash value. Replacement cost reimburses you for the item’s price at the time of purchase, while actual cash value reimburses you for the depreciated value of your item. If you choose the former, it’s essential to save your receipts.

Typical coverage levels are $30,000 for personal property and $100,000 for liability. However, standard policies may not include high-value items such as diamond rings or collections of artwork. To protect these items, supplemental insurance, called a rider or floater policy, can be added to your plan for an additional cost.

Most insurers provide discounts on bundled policies, and some may reduce premiums if there are security systems, fire safety devices or other risk-reducing elements in the home.

Policygenius

Policygenius

Policygenius's tailored renters insurance quotes and online calculator let you know exactly how much coverage you need. Policy premiums can also lower if you have safety features in your home like deadbolt locks and smoke detectors. Reviewers enjoyed the service’s transparent renters insurance quotes detailing what the policy covers.

EverQuote

EverQuote

EverQuote's 3-step process makes it easy to obtain renters insurance quotes in minutes. EverQuote also helps you determine what policies will best meet your needs. However, reviewers were frustrated with the volume of calls they received from various companies after using EverQuote. Many were also unhappy that they needed to reenter their personal information on a potential provider's website for exact renters insurance quotes.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.