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2024

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Best Renter's Insurance Companies in Largo

Our Recommended Top 10

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 Largo 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.

39Reviewed

27Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
801 West Bay Dr. Ste, 102, Largo, FL 33770
  • Home and Auto Insurance

Why choose this provider?

Largo-based Florida Best Quote Insurance is an independent agency connected with various insurance carriers to provide an array of choices for its clients. It provides renters' insurance that covers appliances, electrical fixtures, and water filters and heaters. It also offers condo and homeowners' insurance, as well as policies for vehicles, businesses, life, and health. Jeanette Lawrenson launched the company after experiencing the struggle to find homeowners' insurance and being at the mercy of insurance agencies in the aftermath of the 2005-2006 hurricane season.

License Verified:

License: L066055

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 (557)
Facebook
4.9 / 5 (84)
Yelp
1.5 / 5 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1001 Highland Avenue NE, Largo, FL 33770
  • Multiple Carriers
  • Home and Auto Insurance

Why choose this provider?

Business & Family Insurors, Inc., is a family-owned and family-operated agency that has been offering insurance products and services to the Largo area since 1982. It assists clients residing in rented properties in securing financial protection for personal belongings that may not be covered by their landlords' tenant policies. Its coverage for renters includes reimbursements for fires, lightning strikes, and hail storms, as well as motor vehicle accidents, theft, and riots. The agency also sources tenant dwelling insurance for clients renting out properties and their attached structures.

License Verified:

License: R002811

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
4.7 / 5 (23)

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
5308 Gulfport Blvd S Suite B, Gulfport, FL 33707
  • Multiple Carriers

Why choose this provider?

WhitCo Insurance Agency LLC provides risk management solutions to individuals and families in the Largo metro and the surrounding communities. It offers an array of personal lines of insurance, including renters' plans. The company aims to protect renters and their belongings from unforeseen events like theft, vandalism, and natural disasters. It helps clients secure reimbursements for lost and damaged items. WhitCo Insurance Agency is an independent firm that creates customized coverages suited to customers' needs.

License Verified:

License: L051973

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
12998 Walsingham Rd, Largo, FL 33774
  • Home and Auto Insurance

Why choose this provider?

Kristin Asbury is an insurance agent that crafts personalized insurance solutions for clients in the Largo metro and nearby areas. She represents GreatFlorida Insurance which has over two decades of experience and over 125 locations across the state. She writes renters' insurance policies that cover personal belongings as well as the policyholder during accidents or injuries within the rental property. She also writes other personal insurance policies such as auto, homeowner's, motorcycle, and umbrella plans.

License Verified:

License: A259936

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 (42)
Facebook
5.0 / 5 (12)

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
1475 Belcher Road S, Largo, FL 33771
  • Home and Auto Insurance

Why choose this provider?

OE Wilson Insurance Inc. is an independent agency serving the Largo metro and the rest of Florida. In business since 1983, it offers a full range of property and casualty insurance services, including renters’ insurance. The firm’s agents connect tenants with various reputable insurance carriers and design a policy that will safeguard clients’ properties from unforeseeable events, including theft and natural disasters. OE Wilson Insurance Inc. also offers mobile home, condominium, and home insurance policies.

License Verified:

License: L082028

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
Google
4.4 / 5 (16)
Yelp
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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
300 E Bay Dr Suite A, Largo, FL 33770
  • Multiple Policy Types

Why choose this provider?

Solace Insurance is an independent agency that helps clients in Largo find the renters' coverage they need from different providers. It guides tenants in selecting products that will protect their personal properties from theft, vandalism, and fire. Its clientele includes families who are required by property rental companies and landlords to carry protection policies. Solace Insurance carries diverse personal and business insurance products. It supports charity organizations like The Heart Gallery of Pinellas & Pasco and Somebody Cares Tampa Bay.

License Verified:

License: L001996

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
4.0 / 5 (84)
Google
4.6 / 5 (76)
Yelp
3.7 / 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
2623 McCormick Dr. Suite 104, Clearwater, FL 33759
  • Multiple Policy Types

Why choose this provider?

CLC Insurance Agency, Inc., provides products and services to individuals and families in the Largo metro. It offers a full range of personal lines of insurance, including renters' plans. The company aims to help customers living in rental properties secure reimbursements for lost and damaged belongings caused by theft and natural disasters. It also provides life, flood, umbrella, classic car, and motorcycle insurance. CLC Insurance Agency works with various carriers to create customized coverages suited to clients' needs.

License Verified:

License: L107954

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 (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

Website
1070 Kapp Drive, Clearwater, FL 33765
  • Home and Auto Insurance

Why choose this provider?

Laake Financial Services handles homeowners' and renters' insurance products for clients in Largo. It covers property loss and damage from hazards such as fires, flooding, theft, and weather damage. Part of its other coverages includes condo and business insurance. It also caters to clients looking for auto, landlord, umbrella, disability, and life insurance. Originally a subsidiary of the Home Shopping Network in 1982, the firm currently handles over 3,000 policyholders as well as 300 businesses around Florida.

License Verified:

License: R002566

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 (23)

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
13498 Walsingham Rd, Largo, FL 33774
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Nate Cocco is a Chartered Financial Consultant who works under State Farm. The agency serves the Largo metro and nearby communities by providing renters' insurance policies to clients. Its list of insurance coverage includes home insurance, life insurance, health insurance, and auto insurance. Banking, annuities, mutual funds, and retirement planning are also part of the agency's products. The team speaks Hindi, Punjabi, Spanish, Dutch, and Afrikaans. Cocco is also available for appointments even after office hours and on weekends.

License Verified:

License: L109284

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

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
1468 Gulf To Bay Blvd, Clearwater, FL 33755
  • Home and Auto Insurance

Why choose this provider?

Mike Lazanis is a GreatFlorida Insurance agent who serves clients in the Largo area. He helps tenants of rental properties get more protection for incidents that are not covered by their landlord's property insurance. His firm's renter's insurance reimburses personal items that were stolen or damaged, along with injuries that occur inside the residence. In addition, Mike offers homeowner's insurance that covers fires, hurricanes, and break-ins. Clients can also get protection for their autos, boats, motorcycles, and commercial properties.

License Verified:

License: E160838

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 (83)
Facebook
5.0 / 5 (8)
Yelp
4.3 / 5 (6)

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

  • Why do some renters in Largo overlook renters' insurance?

    Renters in Largo may choose not to purchase renters' insurance because they feel their belongings are only worth a small amount of money, and they are unaware of the high replacement costs they would incur for items like clothing, electronics, and furniture. They may also be unaware of the affordability of renters' insurance and its vital function in liability defense.

  • Does a renters' insurance policy in Largo include off-premises theft?

    Yes, a renters' insurance policy in Largo does include protection against off-premises theft. This means a renter's personal property is covered for theft and damage even when you're away from your rented residence. Adding replacement cost coverage for a slight premium increase ensures compensation for lost or damaged items without depreciation.

  • What is a commonly overlooked coverage of renters' insurance by tenants in Largo?

    Tenants in Largo often overlook renters' insurance coverage known as "loss of use," which pays for hotel stays when their rental requires repairs from damages like fires or floods. This coverage, which comes with a minimal increase in premium, can provide significant financial relief by covering temporary housing expenses during such stressful events.

  • What are the two types of renters' insurance available in Largo?

    Renters' insurance in Largo comes in two forms: RV or replacement value and AV or actual cash value. Replacement value insurance provides funds to purchase a new item similar to the one lost, irrespective of the original's age. In contrast, actual value insurance pays out the depreciated worth, often resulting in a lower payout than the item's current replacement cost.

  • When is the only time a landlord's insurance would pay for a renter's personal items in Largo?

    The only time a landlord's insurance may cover a renter's personal items is if the landlord was found legally responsible due to criminal negligence for an incident, such as a fire, that caused the damage or loss of the tenant's belongings. That is why it's crucial for Largo tenants to have their own insurance to ensure their items are protected in cases of fire or theft.

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