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2024

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Best Renter's Insurance Companies in Melbourne

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Melbourne Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

40Reviewed

28Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
470 S Wickham Rd.,, West Melbourne, FL 32904
  • Multiple Carriers

Why choose this provider?

Florida Insurance Concepts, LLC, addresses the various insurance needs of individuals, families, and businesses in Melbourne and the surrounding areas. Its experienced agents work with multiple reputable insurance carriers to assist tenants with acquiring renters’ insurance policies that will help keep their personal possessions protected in the event of a disaster, damages, and theft. In addition to renters’ insurance, Florida Insurance Concepts, LLC, also offers other property insurance options, including homeowner’s, condominium, and flood insurance.

License Verified:

License: L017783

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (7)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
150 Interlachen Road, Melbourne, FL 32940
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Viera Insurance Agency, Inc. provides risk management solutions in the Melbourne metro and nearby areas. It serves families and individuals living in rental properties, helping them secure reimbursements through its renters' insurance plans. The independent company aims to protect tenants from financial losses caused by unforeseen events, such as fire, hail, theft, and vandalism. Its specialists also help clients acquire flood and auto insurance. Viera Insurance Agency has been delivering personalized insurance coverages since 2006.

License Verified:

License: L035447

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2240 N. Wickham Rd, Melbourne, FL 32935
  • Multiple Policy Types

Why choose this provider?

Eric Ponce addresses the insurance needs of families and individuals in the Melbourne area. He has been a State Farm agent since 1990, providing options for business, home, life, health, and auto insurance. Ponce also offers renters' insurance coverage, helping clients protect their properties and personal belongings while renting. He also provides banking, annuities, and mutual funds services. Ponce is a member of various organizations, such as the Melbourne Beach Rotary, Sebastian Chamber of Commerce, and the Knights of Columbus.

License Verified:

License: A209309

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (225)
Facebook
4.6 / 5 (26)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1801 Sarno Rd ste 2, Melbourne, FL 32935
  • Multiple Carriers

Why choose this provider?

Serving the Melbourne metro, Shoff Insurance of Florida provides risk management solutions to individuals and families. It helps clients obtain financial protection through its personal insurance products that include renters' plans. The company offers personal property, liability, and additional living expense coverages to help tenants secure reimbursements for medical expenses and damaged or lost items due to unforeseen events, such as fire, explosion, and theft. Its specialists also handle retirement planning services. Shoff Insurance of Florida has been in business for over 50 years.

License Verified:

License: L087355

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (9)
Google
2.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
33 N. Babcock Street, Melbourne, FL 32935
  • Multiple Carriers

Why choose this provider?

Pruitt Insurance Agency Inc. offers a wide range of products and services in Melbourne. It covers property-related insurance including renters', homeowners', mobile homes, condos, and flood insurance. Its agents also provide insurance services to clients seeking marine, personal automobile, life, and commercial insurance coverage. The firm's staff and specialists have over 100 years of cumulative experience in the insurance industry, and the company has been serving for over four decades. Pruitt Insurance Agency is associated with company American Marine Insurance Group.

License Verified:

License: R000507

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4651 Babcock Street Northeast Suite 17, Palm Bay, FL 32905
  • Home and Auto Insurance

Why choose this provider?

Carmen Castellanos is a local agent of GreatFlorida Insurance who offers her services to clients in Melbourne. She handles a wide range of products, including renters' insurance plans. In addition to providing coverage for personal properties, such as appliances, electronics, jewelry, and furniture, the standard policy she crafts also covers liability cases, attorney's fees, relocation expenses, and medical bills. Castellanos also deals with other insurance services, handling coverages for automobiles, boats, and motorcycles, as well as businesses.

License Verified:

License: A070101

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2320 Dairy Road, Suite 102, Melbourne, FL 32904
  • Multiple Policy Types

Why choose this provider?

Brian West is a State Farm insurance agent serving clients in Melbourne and its surrounding areas. He offers renters' insurance to cover damages on personal properties such as TVs, bicycles, furniture, and computers caused by smoke and water damage, fire, vandalism, theft, and burglary. Other policies include home, car, business, life, and health. He is a director at Brevard Rescue Mission and is a Teen Driving Safety volunteer. West speaks English and Spanish.

License Verified:

License: E003851

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (197)
Facebook
5.0 / 5 (41)
Yelp
3.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6450 Anderson Way, Melbourne, FL 32940
  • Multiple Carriers

Why choose this provider?

Space Coast Insurance Agency, LLC, is a local and independent company. It has been serving individuals, families, and businesses in Melbourne and the nearby metros since 2005. It assists clients with renters' insurance to cover their belongings, such as small appliances, sports equipment, electronic items, furniture, and jewelry. The business also handles auto, home, health, life, and commercial insurance policies. Space Coast Insurance Agency carries various providers, such as SafePoint, AmTrust, and Grundy Insurance.

License Verified:

License: L002788

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (98)
Yelp
1.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4320 South Babcock Street Suite 102, Melbourne, FL 32901
  • Multiple Policy Types

Why choose this provider?

The A.L.L. Agency is an independent insurance agency that serves the Melbourne metro and neighboring communities. It offers insurance products from over 100 different insurance companies. The agency provides renters' policies that give coverage against liabilities at home due to accidents or unexpected circumstances. These policies also include coverage for damages or loss of personal properties and loss of rental home use. One of the agency's owners, Lisa Arnold, has been in the insurance industry since 2002.

License Verified:

License: E165629

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.6 / 5 (14)
Facebook
4.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
2090 Meadowlane Avenue, Melbourne, FL 32904
  • Home and Auto Insurance

Why choose this provider?

Snow Insurance Services is a company serving the Melbourne area. In the event of a calamity, it provides renter's insurance to condos, apartments, and rental properties. The company insures residences against structural damage, liabilities, and living expenses. Auto insurance with collision coverage, property damage, medical payments, personal injuries, and loan and lease payoffs are among the company's other offerings. In the insurance market, the firm has over 30 years of expertise. Bristol West, Progressive Corporation, and Travelers are among its partner companies.

License Verified:

License: L052251

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (21)
Facebook
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1300 Bedford Dr Suite 101, Melbourne, FL 32940
  • Multiple Carriers
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Pete Benvenuto is a full-service agent of GreatFlorida Insurance who takes care of the risk management needs of individuals, families, and businesses in Melbourne. He helps clients obtain renters' insurance to protect their personal belongings in cases of theft, accidents, vandalism, or loss of use. These belongings can include TVs, electronics, furniture, and clothing. GreatFlorida Insurance has 125 locations throughout Florida and partners with a variety of insurance carriers to provide appropriate policies to clients who are currently renting homes, apartments, or condos.

License Verified:

License: E166319

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3040 N Wickham Rd , Ste 8, Melbourne, FL 32935
  • Home and Auto Insurance

Why choose this provider?

Prime Insurance offers financial investment solutions in the Melbourne metro and nearby areas. It carries a range of personal lines of insurance, including renters' policies. The independent company helps tenants secure reimbursements for damaged and lost items caused by unforeseen events like vandalism, theft, and natural disasters. It also serves business owners who want to obtain professional liability, BOP, builders' risk, and workers' compensation insurance. Prime Insurance represents various carriers, such as Centauri Insurance, Zurich, and Progressive.

License Verified:

License: L003507

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (22)
Google
4.9 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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FAQs

  • Are tenants required to obtain renters insurance in Melbourne?

    According to Florida law, tenants in Melbourne are not required to obtain renters insurance. However, depending on your circumstances, it is recommended that you acquire one. Renters insurance protects your personal belongings in the event of a fire, theft, or other eligible disaster. Clothes and furniture are examples of items that can be covered. Your landlord may also require you to get one as part of your lease agreement, which can protect them from property damage claims.

  • What types of renters insurance coverage are available in Melbourne?

    There are four categories of renters insurance coverage in Melbourne, indicated by the letters C, D, E, and F. Coverage C includes personal property such as clothing, and Coverage D is mainly for additional living expenses. Coverage E addresses liability difficulties in the event that someone is hurt on the insurer's property. Finally, Coverage F covers medical expenses incurred by members of the public as a result of injuries caused by the insured, regardless of legal fault.

  • Can you share your renters insurance with your roommate in Melbourne?

    You cannot share your renters insurance with your roommate in Melbourne since Florida does not allow you to obtain one with another person unless they are your spouse. This means that if you live in Melbourne with a roommate, they must have their own policy.

  • How much does a renters insurance policy cost in Melbourne?

    The average cost of a renters insurance policy in Melbourne is around $27 a month or $329 a year. Several factors can influence the cost of the coverage: the home's value and condition, the amount of coverage needed, the location, previous rental history, and pet ownership. Make sure to plan accordingly before buying one. 

  • Are there any exclusions or limitations to renters insurance policies in Melbourne?

    There are exceptions and limitations to keep in mind depending on your renters insurance policy in Melbourne. Antiques, jewelry, electronics, fur, and firearms, for example, may need the purchase of additional coverage. Some policies exclude winds and hurricanes depending on whether the location is at risk for them or not. There are also plans that exclude bed bugs, earthquakes, and certain dog breeds.

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