Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Palm Bay

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 Palm Bay 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.

51

Reviewed

34

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3040 North Wickham Road, Melbourne, FL 32935
  • Multiple Policy Types

Why choose this provider?

Prime Insurance is an independent insurance agency serving the Palm Bay metro and the surrounding areas. It offers renters' insurance, which protects customers from a variety of hazards and perils that can occur in a rented home, including theft, fire, and lightning. In addition, the agency carries different commercial and personal insurance, such as auto, homeowners, flood, and personal umbrella. Among the carriers Prime Insurance represents are Progressive, Foremost, and National General Insurance.

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.
4.0
Google
4.0 / 5 (11)

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
7960 U.S. 1, Micco, FL 32976
  • Multiple Policy Types

Why choose this provider?

Schneider & Associates Insurance Agencies helps clients in Palm Bay protect their personal valuables through renters' insurance. This type of insurance policy can cover damages caused by theft, fire, wind, hail, and lightning, and also includes liability coverage. In addition, this independent agency specializes in a wide range of other personal and business insurance solutions, including home, auto, mobile home, and commercial umbrella insurance. Schneider & Associates Insurance Agencies was established in 2003 and represents more than 50 insurance companies.

License Verified:

License: L015870

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
Google
4.0 / 5 (139)
Facebook
5.0 / 5 (17)

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
5005 North Wickham Road, Melbourne, FL 32940
  • Multiple Policy Types

Why choose this provider?

Hoffman & Associates Insurance Company protects the personal properties of renters' insurance policyholders in Palm Bay. It also provides short-term rental coverage that can act as a replacement for existing homeowners' policies. Furthermore, the company insures clients' boats, motorcycles, cars, and commercial properties. It is also a family-owned agency with over 40 years of industry background and seven agents operating under it. Bill Hoffman started in the industry in 1964. His sons, Bill, Bob, and Tim, had opened the company in 2007.

License Verified:

License: L052761

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 (54)
Facebook
5.0 / 5 (21)

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
6050 Babcock Street Southeast, Palm Bay, FL 32909
  • Multiple Policy Types

Why choose this provider?

Advanced-Insurance.Net is an insurance agency that specializes in property and casualty insurance. It has been protecting renters in Palm Bay and the surrounding areas since 1995. In addition to the costs that result from the covered event, its renters' policy covers costs related to liability and damaged or stolen personal belongings. The agency also offers other insurance plans catering to homeowners, recreational toys, and vehicles. Chris Roth, senior vice president of the agency, has been in the insurance industry for over 20 years.

License Verified:

License: R001157

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
Facebook
5.0 / 5 (14)
Google
4.6 / 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
1580 North Harbor City Boulevard, Melbourne, FL 32935
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Started in 2004, Better Insurance Group is a full-service insurance agency serving the Palm Bay community. It offers auto insurance, motorcycle insurance, homeowners' insurance, renters' insurance, business insurance, and life insurance. The company provides its clients with knowledge on all types of insurance, advises them on the right insurance needs, and ensures they receive broad policies and customer service. Better Insurance Group is a member of The Florida Association of Insurance Agents and Independent Insurance Agent.

License Verified:

License: L000800

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 (35)

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

Why choose this provider?

The A.L.L. Agency, which operates under Brightway Insurance, serves the Palm Bay area and the surrounding communities. It provides property insurance products, ranging from renters’ and homeowners' insurance plans to policies for condos and personal articles. Flood insurance is also available. Moreover, its vehicle insurance plans include coverages for motorcycles, cars, boats, and RVs. The A.L.L. Agency works with both multi-unit enterprises and individual agents and has access to insurance products from more than 100 carriers.

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.
3.8
Google
4.0 / 5 (13)
Facebook
3.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
190 Malabar Road, Palm Bay, FL 32907
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Florida-based Clover Insurance Agency, LLC, is an owner-operated business in Palm Bay established in 2008. The local independent insurance agency provides renters' insurance to individuals, families, and businesses. The company can help clients protect their personal belongings in case of damage, loss, disaster, and accidents in the rental property. It partners with various insurance providers to offer automobile, homeowners', motorcycle, and flood insurance plans. The agency can also assist in filing claims SR-22 and FR-44.

License Verified:

License: L057220

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 (28)

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
4951 Babcock Street Northeast, Palm Bay, FL 32905
  • Multiple Policy Types

Why choose this provider?

Jeff Thummel is an insurance agent who has been with State Farm since 1989. He offers a variety of insurance products to clients in Palm Bay and the surrounding areas. His products include home, property, auto, business, health, and life insurance. In addition, he offers renters' insurance, which covers losses that result from malicious activities such as theft and vandalism, weather impacts like lightning and windstorms, and accidents. His other products include banking, mutual funds, and annuities.

License Verified:

License: E080008

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 (52)
Facebook
4.0 / 5 (10)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2815 West New Haven Avenue, West Melbourne, FL 32904
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

With renters' insurance, GreatFlorida Insurance has been covering tenants in Palm Bay and their personal items during difficult times since 1991. The organization is made up of independent and franchised insurance agents who assist clients in finding the best renters' insurance plan that covers a variety of valuables, such as clothing and jewelry, kitchen appliances, and gadgets. The team also assists clients with liability and medical expense claims. The company has over 130 offices throughout Florida.

License Verified:

License: P208844

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 (80)
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
6255 Minton Road, Palm Bay, FL 32907
  • Multiple Policy Types

Why choose this provider?

It provides renter's insurance packages that assist its clients in retaining their valuable items by protecting belongings or liabilities in the case of a natural catastrophe or tragic incident. It also offers other insurance programs like auto, homeowner's, boat, motorcycle, umbrella, and commercial insurance. With over 30 years in the insurance industry, Great Florida Insurance has expanded and franchised over 126 locations throughout Florida, including Palm Bay. It also works with notable insurance companies like Progressive, Kemper, and Foremost Insurance group.

License Verified:

License: A038936

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 (16)
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

Frequently Asked Questions

  • What are the common exclusions in a renters' insurance policy in Palm Bay?

    A Palm Bay renters' insurance policy will not, by default, cover damage from earthquakes, floods, or sinkholes. You can always get an earthquake or sinkhole rider at an additional fee if these damage sources worry you, but flood damage and storm surge protection are something you may never be able to obtain. Renters' insurance also excludes coverage for your roommate's belongings.

  • If a sewer line floods your home and causes mold to grow, would your Palm Bay renters' insurance policy cover mold damage?

    No. Your Palm Bay renters' insurance coverage usually won't pay for damage if a sewage line bursts, flooding your home and causing mold growth. In a similar way, your renters' coverage usually won't cover the damage if outside flooding in your apartment or rental home results in mold growth.

  • Is your Palm Bay renters' insurance policy going to cover fire damage to the structure of your rental unit?

    In Palm Bay, fire damage to your rental unit's building is not covered by your renters' insurance policy; instead, your landlord is responsible for this kind of damage. If you caused the fire, however, your renters' insurance policy's personal liability coverage may pay your landlord or rental company's losses, up to the policy limit.

  • Does your Palm Bay renters' insurance plan cover theft committed by your roommate?

    It varies. If your Palm Bay renters' insurance policy lists your roommate as an additional insured, then you won't be protected if they steal your belongings. If not, your roommate would have to be named as a suspect on a police report and you would have to decide whether to file charges against them in order for your renters' insurance to cover you. Your insurer must confirm that this is a criminal case for your insurance to cover this incident.

  • If you don't have renters' insurance in Palm Bay, and your rental home becomes temporarily uninhabitable, will your landlord be responsible for covering the cost of your short-term hotel stay?

    It depends. Typically, if your rental property becomes temporarily uninhabitable and you do not have renters' insurance in Palm Bay, your landlord is not responsible for covering the cost of your short-term hotel stay. If, on the other hand, your landlord's negligence caused damage to your rental unit, they may be held legally liable for your housing expenses during the time the property is unusable.

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