Renters Insurance
We’ll shop and help you save on your Florida Renters insurance.
Renters Insurance
The short version. Renters insurance in Jacksonville costs a median of $170 per year, or about $14 per month, for our typical client. That's an apartment renter carrying $25,000 in personal property, $300,000 in liability, and a $500 deductible. Most clients in that setup pay between $153 and $220 per year.
- Your landlord's insurance covers the building. Renters insurance covers your stuff, your liability, and your hotel bill if the place becomes unlivable.
- If you have a car insurance policy, bundling renters with auto saves 5 to 10 percent on the auto policy with Progressive, Nationwide, and Auto-Owners. Your renters policy often pays for itself.
- Need proof of insurance for your apartment complex? We can usually email it the same day.
- We compare 26 renters insurance companies and most quotes are back in 24 hours. Start your renters quote or call (904) 268-3106.
You don't own the building. But you own everything inside it. Your laptop, your couch, your clothes, your bike, the TV, the rug your dog ruined and the new one you replaced it with. If your apartment burns down or someone breaks in, your landlord's insurance covers the walls. Not your stuff.
That's the job of renters insurance. And in Jacksonville, where wind, water, and a tight rental market all live in the same zip codes, it's one of the most useful policies you'll ever buy for the money.
Whether you're renting at a luxury apartment in Town Center, a beach condo in Jacksonville Beach, or a single-family house in Mandarin, the coverage structure works the same way. What changes is the company we shop and the underwriting around your address.
Augustyniak Insurance Group has been writing renters insurance in Northeast Florida since 2005. We're an independent agency led by Susan Augustyniak, CIC, with 25-plus years in the business.
We're not a one-company shop. We shop the renters market across bundle-friendly options like Progressive, Nationwide, and Auto-Owners, plus Florida specialists like Tower Hill and American Integrity. Most quotes come back in a day or less.
Is this page for you?
- You rent an apartment, condo, townhome, or single-family house anywhere in Duval, St. Johns, Clay, or Nassau County.
- Your new landlord just told you the lease requires renters insurance with $100,000 in liability.
- You're moving from Mandarin to Riverside, or from a house in Nocatee back to an apartment in Tinseltown, and your old policy doesn't follow.
- You're a UNF or JU student moving off campus, or active-duty at NAS Jax or Mayport setting up a household.
- You have a dog and your last quote came back with a breed exclusion.
How Does Renters Insurance Work in Florida?
Buying a renters policy comes down to five decisions. Most renters can make all five in under ten minutes. If you understand these, you'll know more than 90 percent of the renters who buy a policy online without ever talking to anyone.
Your Address
Apartment, condo, townhome, or single-family rental. Beach proximity matters.
What Your Stuff's Worth
Personal property limit. Most apartments need $20K to $30K. Downsizers need more.
Liability Limit
$100K minimum for most leases. $300K is standard. $500K if you have higher exposure.
Bundle with Auto
If you have a car policy, bundling can save 5 to 10 percent on the auto side.
Flood & Dog Add-Ons
Flood is a separate policy if you're near water. Dogs may need specific company matching.
The rest of this page walks through each of those decisions in plain English, with real Jacksonville prices and named companies. If you'd rather just talk it through, start a quote online or call (904) 268-3106.
How Much Is Renters Insurance in Jacksonville?
The median renters insurance premium we see in Jacksonville is $170 per year, which works out to about $14 per month. Most clients in the typical apartment-renter setup pay between $153 and $220 per year.
That's lower than the public Florida averages from NerdWallet ($152), MoneyGeek ($276), and Insure.com ($215). The difference reflects what real renters in Jacksonville zip codes are actually paying with the companies we shop.
Important context. That $170 median is for the most common policy profile we write: an apartment renter with around $25,000 in personal property coverage, $300,000 in liability, and a $500 deductible. If you fit that mold, the number is reliable. If you don't, your price will look different, and pretending otherwise wastes your time.
What you'll actually pay by profile
Premium scales with what you're insuring. The biggest mistake renters make is anchoring on the lowest number they read online and getting blindsided when the quote comes back higher because they actually own things worth covering.
| Renter profile | What's typical | Annual premium |
|---|---|---|
| Apartment renter young professional, student, single, couple without kids | $25,000 personal property $300,000 liability, $500 deductible | $150–$220 |
| House renter or downsizer renting a single-family home, kept the furniture from a previous house | $50,000 personal property $300,000–$500,000 liability | $250–$400 |
| Higher coverage jewelry, watches, cameras, art, instruments, collectibles | $75,000+ personal property scheduled items endorsement | $400–$700+ |
Ranges are typical pricing we see in Jacksonville and depend on company, zip code, credit, claims history, and deductible. Specific terms vary by policy.
If you're a downsizer who moved out of a house and into a rental but kept the dining room set, the TV, and the bedroom furniture, $25,000 in coverage isn't going to cover you.
We see this constantly in Mandarin, Avondale, and Ortega when empty-nesters or relocators land in a rental. The premium goes up because the coverage goes up. That's the honest math.
What Renters Insurance Actually Covers
The four core coverages on a Florida HO-4 (tenant homeowners) policy
Personal Property
Your stuff. Furniture, electronics, clothes, kitchen, bike. Covered at home and away from home (the laptop stolen from your car, the suitcase at the airport).
Kitchen fire in a Southside apartment ruins the couch, TV, and rug. Your policy pays to replace them, minus the deductible.
Loss of Use (ALE)
Additional Living Expenses if your rental becomes unlivable. Hotel, restaurant meals above your normal grocery bill, pet boarding, and a rental car if needed.
Pipe bursts in the unit above yours. Your apartment is uninhabitable for three weeks. Policy pays for the extended-stay hotel.
Personal Liability
If you accidentally hurt someone or damage their property, this pays the legal bill and the settlement. Includes dog bites, kitchen fires that spread, and slip-and-falls.
Guest trips on your stairs and breaks an arm. They sue. Liability coverage handles the defense and the medical bills.
Medical Payments to Others
Small no-fault payments for minor injuries to guests at your place. Usually $1,000 to $5,000. Pays without a lawsuit.
Friend cuts their hand on broken glass at your apartment. Coverage F pays the urgent care bill so things don't escalate.
Standard policies also include things like off-premises theft (your bike stolen from the rack at work), credit card fraud, and limited coverage for stuff stored in a unit you rent at the storage place down the road. The fine print varies by company, which is one of the reasons shopping matters.
What renters insurance does not cover
- Flood damage.
Wind-driven rain that gets in through a damaged roof is generally covered. Storm surge, rising river water, or street flooding is not. That's a separate flood policy through the NFIP or a private market. - The landlord's building.
The walls, the floor, the roof, the HVAC. Their policy. - Your roommate's stuff.
Unless they're related to you, they need their own policy. Don't share. It almost always causes a claim dispute. - Earthquake.
Not a real Florida concern, but worth knowing it's excluded everywhere. - Cosmetic damage and normal wear.
Scratched floors and worn paint aren't insurable losses. They're security-deposit conversations.
Now You Know What It Costs and Covers.
We'll shop the renters market across multiple companies and come back with the best fit for your apartment, your stuff, and your budget. No pressure, no spam.
Most quotes back in 24 hours.What's the Difference Between My Landlord's Insurance and Renters Insurance?
This is the question we answer more than any other. The short answer: your landlord's policy and your renters policy cover entirely different things, and they don't overlap.
The landlord carries something called a landlord policy or dwelling fire policy (DP-3). It covers the structure of the building. Roof, walls, floors, HVAC.
It also covers their liability if a tenant or guest gets hurt because of something the landlord failed to fix, and their lost rental income if the building becomes unrentable.
That's it. The landlord's policy does not cover:
- Your furniture, electronics, clothes, or anything else you brought into the unit
- Your hotel bill if a fire or pipe burst forces you out
- Your legal defense if you cause damage to a neighbor's unit
- Your dog bite liability
That's why landlords require renters insurance. It's not just for your protection. It limits the landlord's exposure too.
If your candle starts a fire that spreads to the unit next door, your liability coverage handles the neighbor's claim. Without your policy, the landlord's insurer may come after them and they come after you.
Most Jacksonville property management companies now require $100,000 in liability minimum, and some require $300,000. Always read your lease.
Should I Get Replacement Cost or Actual Cash Value?
Two ways your stuff can be valued at claim time. The difference is significant and the price difference usually isn't. We default to recommending replacement cost on every quote unless a client has a specific reason to do otherwise.
Actual Cash Value (ACV)
Depreciated value at the time of loss
- The 6-year-old TV pays out as a 6-year-old TV, not a new one
- Premium is slightly lower
- You feel the depreciation at the worst possible time
- Common on the cheapest online quotes
Replacement Cost (RCV)
What it costs to buy new today
- That 6-year-old TV gets you a new TV of equivalent quality
- Premium is typically a few dollars per month higher
- This is the version we shop on almost every policy
- Most claims feel fair instead of disappointing
The price gap between ACV and replacement cost on most policies is small. The payout gap on a real claim is not. After a kitchen fire, the difference between getting $400 for your old couch and getting $1,200 to actually replace it is the entire reason most people buy the policy in the first place.
Will Renters Insurance Cover Hurricane Damage in Florida?
Mostly yes, with one big exception. The wind half of a hurricane is generally covered when caused by a covered peril. Your stuff blowing around, getting wet from rain coming through a damaged roof, or smashed by a tree limb is typically a covered loss under your renters policy. Specific terms vary by policy.
The water half is not. Storm surge from the St. Johns River, the Intracoastal, or the Atlantic. Flash flooding from heavy rain that pools at street level. Rising water in a low-lying parking lot or first-floor apartment. None of that is covered by renters insurance, and it doesn't matter how big the storm was.
If you rent on the first floor anywhere near the river or the beach, in 32202 downtown, 32207 San Marco, 32250 Jacksonville Beach, or 32266 Neptune Beach, a separate contents-only flood policy is worth looking at.
Personal property contents flood coverage runs roughly $100 to $250 a year for renters at most addresses. It's the only thing that pays if water comes in from outside.
Most renters policies also have a separate hurricane deductible, usually 2 to 5 percent of personal property coverage, which kicks in only during a named storm. On a $25,000 personal property policy, that's a $500 to $1,250 deductible on hurricane-specific claims. Worth knowing before the storm.
Renting Near the Water?
We'll quote your renters coverage and add a contents flood policy if your zip code calls for it. One conversation, both bases covered.
No obligation. No pressure. Just honest answers.Does Renters Insurance Cover My Dog?
Usually yes. Sometimes no. Often it depends on which company we shop. This is one of the most common reasons renters in Jacksonville come to us after getting declined or excluded somewhere else.
Most policies include some level of dog liability under Coverage E. That's the part that pays if your dog bites someone or knocks an elderly neighbor over at the dog park. The catch is that companies have different appetites for different breeds, and a few won't write at all if there's a prior bite incident.
Where we usually start:
- Auto-Owners, Nationwide, and Progressive
Friendly with most breeds. Bite history matters more than breed name. Good fit for the typical Jacksonville renter with a rescue or a family dog with no incidents. - Tower Hill and American Integrity
Where we go when the standard market says no. Florida-based, more flexible on breed considerations.
Coverage depends on the specific company, the dog, and any bite history. If your last quote came back with a dog exclusion, don't assume that's the only answer. We see exclusions removed all the time just by moving to a company that underwrites differently.
What if I Rent at the Beach?
Beach addresses are a different conversation. Some renters insurance companies pull back from writing within about half a mile of the Atlantic. A few won't write at all in 32250 Jacksonville Beach, 32266 Neptune Beach, 32233 Atlantic Beach, or parts of 32082 Ponte Vedra.
Wind exposure and coastal underwriting restrictions are the main reasons. Coastal addresses have higher wind deductibles and slightly higher premiums to match. The coverage itself is the same. You just need to be matched to a company that wants to write your zip code.
If your last quote came back declined at the beach, send us your address. Most of the time we can get something placed within a day.
How Does Bundling Renters and Auto Insurance Save Money?
This is the most underrated move a renter can make on their insurance. If you already have a car insurance policy, bundling renters with auto with the same company typically reduces the auto policy by 5 to 10 percent with Progressive, Nationwide, and Auto-Owners.
Exact discount depends on your auto policy and underwriting. The savings on the auto side often exceed the entire cost of the renters policy. Run the math.
The Math on a Typical Jacksonville Renter
Single driver in Mandarin, $2,000 a year on full-coverage auto insurance with Progressive, looking to add a renters policy at $170 per year.
Standalone renters policy, replacement cost, $300K liability
5–10% off the $2,000 auto policy for multi-policy
Renters minus auto savings. Often it's a wash or you come out ahead
You get $25,000 of personal property coverage, $300,000 of liability, hotel coverage if your place becomes unlivable, and a small or negative net cost. It's the closest thing to free insurance you'll find.
The same math works with Nationwide and Auto-Owners. Each company runs its own multi-policy discount rules, but the structure is consistent. We can quote both your auto and your renters together and show you the side-by-side numbers before you commit to anything.
Want to See Your Bundle Number?
Send us a copy of your auto policy. We'll quote both your auto and renters together and show you the net cost. If it doesn't save you money, we'll tell you that too.
No obligation. No pressure. Just honest math.What Renters Insurance Companies Do You Work With?
Not every company is a good fit for every renter. The right one depends on your address, your auto policy, your dog, and whether you live near the water. Here are the seven we place most of our Jacksonville renters with.
Progressive
One of our most-placed renters companies. Strong rates and a typical 5 to 10 percent discount on Progressive auto when bundled.
Nationwide
Excellent multi-policy savings with Nationwide auto or homeowners. Solid Florida book, including coastal addresses.
Auto-Owners
Highly rated regional company with strong claims service. Multi-policy savings when bundled with Auto-Owners auto.
Tower Hill
Florida-based, flexible underwriting. Often the right home for renters with breed considerations or coastal addresses.
American Integrity
Another Florida-based option with flexibility on dog liability and coastal capacity.
ASI (American Strategic)
Affordable Florida option, often among the lowest premiums on apartment renters.
Monarch National
Florida-focused company that often helps when larger national companies pull back from certain Florida zip codes.
How Do I Get a Renters Insurance Quote in Jacksonville?
Three steps. Most of our renters are quoted, bound, and emailed proof of insurance for their landlord within 24 hours.
Tell Us About You
Address, value of your stuff, any dogs, any high-value items, and whether you have a car insurance policy we can bundle with.
We Compare 26 Companies
We pull rates from the renters companies that write in your zip code and match your situation. You get clear options, not pressure.
You Bind and Move In
Pick the policy that fits. We email proof of insurance to your landlord that day. You're covered before the moving truck arrives.
And when a claim happens, you call our office directly instead of trying to figure out which 1-800 number handles your policy. That's the independent-agent difference.
Renters Insurance Questions Jacksonville Renters Actually Ask
Is renters insurance required in Florida?
Florida law does not require renters insurance. Your landlord can require it, and most Jacksonville property management companies now do, usually with a $100,000 liability minimum. Even when it's not required, it's one of the most affordable ways to protect your stuff and your liability for around $14 a month.
How much personal property coverage do I actually need?
Add up the cost to replace your furniture, electronics, clothes, kitchen, and anything else you own. Most apartment renters land between $20,000 and $30,000. Downsizers who kept furniture from a previous house typically need $50,000 or more. Jewelry, watches, art, instruments, or collectibles worth more than $1,500 each usually need scheduled coverage above standard sub-limits.
How much is renters insurance in Jacksonville?
The median we see is $170 a year, about $14 a month, for a typical apartment renter with $25,000 in personal property, $300,000 in liability, and a $500 deductible. Most clients in that setup pay $153 to $220. House renters and clients with higher coverage pay more because they're insuring more.
What's the difference between renters insurance and my landlord's policy?
Your landlord's policy covers the building, not your belongings. If a fire damages your apartment, the landlord's insurer pays to repair the structure. Your couch, TV, clothes, electronics, and hotel bill if the place is unlivable are your responsibility. That's the job of renters insurance.
Should I get replacement cost or actual cash value?
Replacement cost. The premium difference is usually a few dollars a month. The payout difference at claim time is significant. Actual cash value depreciates your stuff, so a 6-year-old TV pays as a 6-year-old TV. Replacement cost pays what it costs to buy new today.
Does renters insurance cover hurricane damage in Florida?
Wind damage to your personal property is typically covered when caused by a covered peril, including damage from rain that gets in through a wind-damaged roof. Storm surge, river flooding, and street flooding are not. Those need a separate contents-only flood policy. Most renters policies also have a 2 to 5 percent hurricane deductible during named storms.
Does renters insurance cover my dog?
Usually yes. Most policies include dog liability under Coverage E. Some companies have breed considerations or exclude dogs with bite history. We work with companies like Auto-Owners, Nationwide, Progressive, Tower Hill, and American Integrity that have different appetites, which is why an independent agent often gets coverage placed when a captive company can't.
Can I bundle renters insurance with my car insurance in Florida?
Yes, and you usually should. Bundling renters with auto with the same company typically reduces the auto policy by 5 to 10 percent with Progressive, Nationwide, and Auto-Owners. On a $2,000 auto policy, that's $100 to $200 in savings, which often exceeds the $170 cost of the renters policy itself.
What does renters insurance not cover?
Flood damage from rising water, the structure of the building itself, roommates' belongings if they're not related to you, earthquake damage, normal wear and tear, and intentional damage. Each policy has its own exclusions and sub-limits. Specific terms vary by policy.
How fast can I get a renters insurance policy in Jacksonville?
Most renters policies are quoted, bound, and proof of insurance emailed to your landlord within 24 hours. Same day is common if we get your info before noon. There's no inspection, no underwriting delay, and no waiting period for most coverage.
Susan Augustyniak, CIC
Vice President · Augustyniak Insurance Group
Susan has worked in insurance for more than 25 years, including time on the carrier side as a commercial underwriter at Nationwide before co-founding Augustyniak Insurance Group with her husband Mike in 2005. She holds the Certified Insurance Counselor (CIC) designation and leads the agency's personal lines team, including renters and apartment insurance for Jacksonville and Northeast Florida.
Related coverage for Jacksonville renters
- Auto Insurance in Jacksonville. Bundle with renters for 5 to 10 percent off the auto policy.
- Personal Umbrella Insurance. Extra $1 million in liability protection for higher liability exposure.
- Condo Insurance (HO-6). For condo owners, which is a different policy form than renters.
- Landlord Insurance (DP-3). The policy your landlord actually has. The other side of the rental equation.
- Flood Insurance. Contents-only flood policy if you rent near the river or the beach.
- Homeowners Insurance. When you're ready to buy your first home in Jacksonville.
- Life Insurance. Affordable term coverage for young renters and families.
Median premium of $170/year and typical range of $153–$220 reflect the apartment-renter profile in Augustyniak Insurance Group's 2025–2026 Jacksonville book of business. Tiered estimates for house renters and higher-coverage profiles are based on typical book pricing and will vary by company, address, credit, claims history, and deductible.
Public Florida averages referenced for comparison: NerdWallet ($152/yr, March 2026), Insure.com ($215/yr, April 2026), Insuranceopedia ($185–$348/yr, April 2026), MoneyGeek (~$276/yr U.S. average, April 2026). These methodologies differ on assumed coverage levels and deductibles.
Coverage descriptions are general. Specific terms, exclusions, sub-limits, and conditions vary by policy and company. This page is for informational purposes and is not a contract of insurance. For binding terms, refer to your policy or speak with a licensed Florida agent at (904) 268-3106. Augustyniak Insurance Group is licensed under Florida 2-20 General Lines.
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