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2024

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Best Renter's Insurance Companies in Miami

Our Recommended Top 16

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 Miami 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.

165Reviewed

105Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
11098 Biscayne Boulevard, Miami, FL 33161
  • Multiple Carriers

Why choose this provider?

Rovner & Company, LLC is a full-service insurance brokerage firm of generalists who write all lines of insurance. It serves the insurance needs of individuals, families, and businesses in and around Miami. It carries personal insurance plans like renters' insurance, homeowners', auto, boat, motorcycle, and life insurance. Under its commercial range, it offers business insurance, commercial building, workers’ compensation, and commercial auto. The team is led by Marc Rovner, who has been in the insurance industry since 2002.

License Verified:

License: L073777

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 (212)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
801 Brickell Avenue, Miami, FL 33131
  • Multiple Policy Types

Why choose this provider?

We Insure Everything is an independent insurance agency that provides policies for individuals in Miami and surrounding areas. Its insurance solutions cover personal, business, and employee needs. Personal coverages include renters', condo, home, as well as auto insurance. The company also handles business-related policies such as business owners', cyber liability, and workers' compensation insurance. Flood insurance can be availed for both personal and business use. It also accepts group applications for coverage such as dental, health, and vision insurance.

License Verified:

License: L108301

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
5.0 / 5 (18)
Yelp
1.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5600 SW 135 Ave, Suite 100, Miami, FL 33183
  • Multiple Policy Types

Why choose this provider?

B & G Insurance is a family-owned and family-operated agency that helps individuals, families, and businesses in Miami protect their assets. Its agents have over 40 years of combined experience writing a wide variety of insurance policies, including renters' insurance. This type of insurance has coverage options that protect the belongings in the property and provide payments if the unit becomes unlivable and if someone gets injured in the property. The agency represents several carriers, like Progressive, Travelers, Foremost Insurance Group, and National General.

License Verified:

License: W477287

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
Google
4.9 / 5 (45)
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
2200 Southwest 16th Street, Miami, FL 33145
  • Multiple Policy Types

Why choose this provider?

Miami International Insurance Agency provides renters' insurance policies that protect the clients, as well as their families and personal properties. These policies cover losses from explosions and water damages. Other insurance plans such as life, dental, flood, motorcycle, boat, and homeowners' insurance are also available. In addition, its list of commercial insurance packages includes liquor and cyber liability, commercial property, business auto, and workers' compensation insurance. Some of its featured carriers include Principal, Ascendant Insurance Solutions, and AIG.

License Verified:

License: R002969

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 (17)
Facebook
5.0 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
9779 SW 72 Street, Miami, FL 33173
  • Multiple Policy Types

Why choose this provider?

Michael Peek is the principal agent of Brightway Insurance's The Denge-Peek Agency in Miami. He offers different types of insurance products, including policies for renters. Its renters' insurance coverage includes replacement for personal possessions, liability protection for injuries that happen inside the home, and loss of use. Home, auto, and business insurance are also available. Peek has more than 25 years of experience in the insurance industry. His team shops a variety of insurance options from different companies to help clients find suitable coverages.

License Verified:

License: W598765

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
7901 Northwest 2nd Street, Miami, FL 33126
  • Multiple Policy Types

Why choose this provider?

SAFE Insurance Group provides risk management assistance from its Miami office. It offers various services, including renters' insurance that covers personal belongings such as clothing, jewelry, furniture, and appliances. Its team of insurance professionals has access to policies from multiple providers like The Hartford, Progressive, and Chubb, allowing them to review various options in order to find coverages that match renters' needs. SAFE Insurance Group has been protecting individuals and businesses for over 30 years.

License Verified:

License: R000511

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
Google
4.0 / 5 (30)
Facebook
5.0 / 5 (16)

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
7229 Southwest 24th Street, Miami, FL 33155
  • Multiple Carriers

Why choose this provider?

Eguino & Associates is a local and independent insurance agency that also caters to Spanish-speaking clients. It provides personalized services and insurance solutions by explaining industry jargon to clients in Miami and the surrounding areas. It offers renters' insurance which protects the personal property of a renter. Required by landlords, the insurance also helps provide coverage for liabilities in case of accidents. Eguino & Associates also provides other products such as homeowners, casualty, flood and boat, and auto.

License Verified:

License: L069964

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.
3.3
Google
3.0 / 5 (18)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7149 West Flagler Street, Miami, FL 33144
  • Multiple Policy Types

Why choose this provider?

Neighbors Insurance Agency has been serving the insurance needs of Miami for over 18 years. It gives renters a flexible selection of insurance providers and policies that cover their personal belongings and essential liability while leasing a property. With access to a broad range of insurance carriers, the company has an arsenal of policies that suit renters' individual needs, goals, and budgets. It also provides insurance products and services across auto, health, and homeowners' insurance lines.

License Verified:

License: L093112

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.
4.0
Google
4.0 / 5 (195)
Yelp
3.0 / 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
814 Ponce de Leon, Miami, FL 33134
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

A 1-Stop Insurance Agency Inc. is a full-service brokerage with two offices: one in Miami and another in Coral Gables. With access to policies from numerous providers, including Progressive and Foremost Insurance Group, its team can furnish different types of protection plans, covering renters', home, flood, life, and business insurance. A 1-Stop Insurance Agency, which has been in service for more than 25 years, is founded by Eidy C. Diaz, a Certified Professional Insurance Agent with 35 years of experience.

License Verified:

License: R006481

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
4.0 / 5 (7)
Yelp
5.0 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1200 NW 78th Ave. Suite 105, Doral, FL 33126
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Just Insurance Brokers is a family-owned and family-operated company that serves individuals and families in Miami and the neighboring communities. It furnishes insurance policies for renters, helping them obtain protection against financial loss due to property damage, secure liability coverage, and pay for additional living expenses when the property is uninhabitable. It also provides options to cover high-valued personal articles like jewelry, fine art, musical instruments, and sports equipment. Just Insurance Brokers has been in business since 1993, working with over 100 insurance carriers.

License Verified:

License: A107632

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
4.8 / 5 (24)
Google
5.0 / 5 (13)
Yelp
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11401 S.W. 40 Street 205, Miami, FL 33165
  • Multiple Policy Types

Why choose this provider?

Blueprint Insurance is a Miami-based agency that caters to longtime and incoming tenants of the city. It compares different renters insurance policies from carriers like Progressive and Foremost Insurance. The agency then assists its clients in building custom insurance policies to include theft and property damage. It also reviews the plans of existing policyholders to find missing coverages, such as medical liability coverage. In addition to renters, the agency assists clients looking for homeowners' and business insurance plans.

License Verified:

License: W224135

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 (30)
Facebook
4.7 / 5 (22)

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
12750 SW 128 St Suite 210, Miami, FL 33186
  • Multiple Policy Types

Why choose this provider?

Prestige Insurance Group is a firm that helps people in Miami and its nearby areas. Its employees have over a decade's worth of experience. The company handles personal policies such as renter, homeowner, and automobile insurance. Its staff also offers individuals health and life coverage options, including term and whole life. Prestige Insurance Group's other products include boat or watercraft, recreational, condo, and commercial insurance. It works closely with clients to give them proper coverage and protection.

License Verified:

License: L057894

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
Facebook
4.6 / 5 (45)
Google
4.2 / 5 (26)
Yelp
3.0 / 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
717 Ponce de Leon, Coral Gables, FL 33134
  • Multiple Policy Types

Why choose this provider?

GreatFlorida Insurance is a network of franchised insurance agents that serves the residents of Miami and the surrounding areas. Its local agent, Mike Carcas, has been with the company since 2006. He offers several products, including home, renters', auto, and commercial insurance policies. Some of the insurance carriers that he works with include Safeco Insurance, Gainsco Auto Insurance, Progressive, and Olympus Insurance. Spanning 127 locations throughout the state, GreatFlorida Insurance has been serving the community for 30 years.

License Verified:

License: L004831

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 (77)
Facebook
5.0 / 5 (18)

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
7950 West Flagler Street, Miami, FL 33144
  • Multiple Policy Types

Why choose this provider?

Gus Figueredo is a State Farm insurance agent with an office in Miami. He focuses on delivering renters' insurance coverages that protect clients' homes, rental properties, and personal belongings from theft and damages. He offers home and property insurance policies that help secure clients' condominiums, manufactured homes, farms, and ranches. Additionally, the agent handles requests for life insurance, health insurance, and pet insurance. With three decades of experience, Gus received recognition from the President's Club and the Legion of Honor.

License Verified:

License: A083814

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.
4.0
Google
4.0 / 5 (23)
Yelp
4.0 / 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
999 Brickell Avenue, Miami, FL 33131
  • Multiple Policy Types

Why choose this provider?

American Insurance Point is an insurance agency that serves clients in Miami. It offers renters' insurance that provides coverage for policyholders' belongings, liabilities, and living expenses in case of a loss event. The agency also covers other insurance products for homes, cars, businesses, and life insurance services. It has formed partnerships with several insurance carriers, such as Progressive, American Strategic Insurance, and Florida Family Insurance. Ana Regina Myrrha is the principal at American Insurance Point.

License Verified:

License: L076280

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
Facebook
5.0 / 5 (187)
Google
5.0 / 5 (150)

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
6530 Coral Way, Miami, FL 33155
  • Multiple Carriers

Why choose this provider?

First Solution Insurance is a full-service agency serving Miami and the surrounding locations. It helps individuals and families who are renting a house or condo protect their personal properties through renters' insurance. This policy includes medical payments and liability coverage. It also provides insurance plans for cars, motorcycles, boats, and golf carts. In addition to personal lines of coverage, the agency offers commercial protection plans, including general liability, workers' compensation, and business owners' insurance.

License Verified:

License: L001167

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
Facebook
4.7 / 5 (24)
Google
5.0 / 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
––
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FAQs

  • What are the most common renters' insurance coverage levels in Miami?

    In Miami, the two most frequently chosen levels of renters' insurance property coverage are $25,000 and $50,000. The price difference between these coverages is around $136. For those who can manage this extra cost, securing a higher coverage level is worth considering. Getting more coverage can provide added peace of mind as personal belongings are better protected against unforeseen events.

  • How can Miami residents save on their renters' insurance costs?

    Miami residents can achieve savings on their renters' insurance by bundling it with their car insurance. When purchased from the same insurance company, this combination often results in substantial reductions. When you bundle your auto insurance, you can save an average of 2.8% annually. It's a beneficial strategy for those who manage their insurance expenditures effectively.

  • Why should one invest in renters' insurance in Miami?

    Investing in renters' insurance in Miami is prudent for various reasons. It's typically more wallet-friendly than many assume. It safeguards personal possessions against unforeseen events. Moreover, several landlords in the city require this insurance in lease terms. Beyond property protection, renters' insurance equips tenants with liability coverage for protection against potential legal liabilities.

  • How can Miami residents accurately determine the value of their belongings for renters' insurance purposes?

    Miami residents should keep their buy receipts to ensure they can get full renters' insurance coverage based on the actual value of their belongings. Making a thorough list of all possessions is essential to make sure that none of them are undervalued. Taking pictures or videos of each space improves the accuracy of the record. It is best to keep these pictures in fireproof cases, digitally, or in a bank's safety deposit box.

  • Does a tenant's renters' insurance in Miami cover their medical expenses if they are injured within the rental unit?

    No, in Miami, the coverage provided by renters' insurance doesn't extend to injuries sustained by the tenant or their co-residents inside the leased property. This insurance predominantly protects the well-being of guests and non-residents. Tenants need to read more carefully about the details of the policy they choose to understand its restrictions and rules.

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