Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Tampa

Our Recommended Top 20

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 Tampa 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.

143Reviewed

93Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2124 W. Kennedy Blvd., Suite A, Tampa, FL 33606

Why choose this provider?

Alex Agard is the agent-in-charge at We Insure, which serves individuals and businesses in Tampa and the surrounding communities. He offers renters' insurance policies that cover legal fees from an injured guest and hotel accommodation fees when the property is damaged. He educates clients on the difference between the coverage of landlords' and renters' insurance to ensure they get the financial protection they require. Alex also helps clients process their claims from carriers like Anchor Underwriting, Berkshire Hathaway, Homeowners Choice, National General, and Shelly Middlebrooks.

License Verified:

License: W381996

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 (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
3635 S Dale Mabry Hwy, Tampa, FL 33629
  • Multiple Policy Types

Why choose this provider?

Five Brothers Insurance is a firm that provides renter coverage to clients in Tampa and its nearby cities. The company is family-owned and family-operated. It has over 28 years of experience and offers a full range of products, including auto, flood, and life protection. It works with different carriers and offers insurance products based on client needs or circumstances. The company has other solutions, such as aviation, industrial, marine, and commercial insurance.

License Verified:

License: R003497

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.
3.9
Google
3.9 / 5 (33)

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
7211 North Dale Mabry Highway, Tampa, FL 33614
  • Multiple Policy Types

Why choose this provider?

All Affordable Insurance Agency is an independent family-owned insurance agency serving Tampa and nearby areas. Since 1995, the agency has provided comprehensive insurance to individuals, families, and businesses, including renters' insurance policies. The agents can customize plans and send quotes for other products, including auto, health, business & commercial, and recreational vehicles. Its partner carriers include Infinity Auto Insurance, Windhaven Insurance Company, National General Insurance, and Bristol West Insurance Group.

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 (101)
Facebook
5.0 / 5 (10)

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
1220 South Dale Mabry Highway, Tampa, FL 33629
  • Multiple Policy Types

Why choose this provider?

Cannella Insurance Services is a Tampa-based independent insurance agency. It offers renters' insurance policies for first-time apartment tenants or residential housing tenants. The agency can modify each plan to fit specific coverages and benefits like natural damage repairs, theft reimbursement, and medical liability for guests. It also compares the rates and benefits of multiple insurance carriers, like Granada and Integrity Insurance. The agency's founder, Joseph H. Cannella, is a third-generation resident of Tampa. He and his team also provide insurance for churches, museums, and private schools.

License Verified:

License: L034020

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 (33)

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
3021 West Swann Avenue, Tampa, FL 33609
  • Multiple Policy Types

Why choose this provider?

Italiano Insurance Services, Inc., is a full-service insurance firm operating in Tampa with an additional office in Boca Grande. It features property insurance plans, including renters' insurance and homeowners' insurance. Established in 1960, it has been assisting families, individuals, and businesses with their insurance needs. It represents financially stable insurance carriers as an independent agency, allowing its clients to select the specific policy best suited for their individual needs. The agents at Italiano Insurance Services have 550 years of combined experience in the industry.

License Verified:

License: L015837

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 (54)
Facebook
4.0 / 5 (19)
Yelp
4.0 / 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
4305 West Bay to Bay Boulevard, Tampa, FL 33629
  • Multiple Policy Types

Why choose this provider?

Jim Cornwell is an insurance agent offering renters' insurance to the residents of the Tampa area. Jim is a State Farm affiliate since 1978 and heads a team under the Jim Cornwell Insurance Agy Inc. Other insurance products include home, auto, life, property, and health insurance. Cornwell is an active participant in the community, sponsoring eight schools in the area. He and his team have been recognized by State Farm with a State Farm Crystal Excellence award. Spanish services are also available.

License Verified:

License: L111130

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 (470)
Facebook
4.0 / 5 (44)
Yelp
4.0 / 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
4840 N. Armenia Ave., Tampa, FL 33603
  • Multiple Policy Types

Why choose this provider?

Mesa Insurance Agency is an independent brokerage that provides insurance solutions to individuals, groups, and businesses in Tampa. The company has been in the insurance industry since 2007 and offers personal, commercial, investment lines. It offers renter insurance plans to cover personal belongings, additional living expenses, and injury liability claims. It also provides plans for dwellings such as condos and apartments. Mesa Insurance Agency's other personal plans are travel, recreational, and health coverage.

License Verified:

License: L050210

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.
4.6

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

Website
3613 South Dale Mabry Highway, Tampa, FL 33629
  • Multiple Policy Types

Why choose this provider?

Bruners Insurance Agencies serves the people of Tampa and the surrounding areas. Its insurance brokers help people who rent an apartment, a house, or a condo unit find a coverage plan to protect their rented living spaces and valuable assets. They assist clients throughout the entire process, from enrolling in insurance policies to filing claims as needed. They spend time analyzing their clients' needs and goals in order to determine which programs will work best for them.

License Verified:

License: R003171

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 (10)
Facebook
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
8777 North 56th Street, Temple Terrace, FL 33617
  • Multiple Policy Types

Why choose this provider?

Established in 1983, Bruners Insurance of Eastlake Inc. is an independent insurance company that caters to renters in Tampa Bay and the surrounding areas. The company helps clients assess and cover losses for damaged or stolen personal property caused by unforeseen events such as fire, vandalism, theft, and lightning. In addition, it covers medical and legal responsibilities for injuries sustained inside or outside the rented property. Bruners Insurance offers other insurance policies, including life, automobile, and business, through carriers like Travelers and Progressive.

License Verified:

License: L088113

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 (61)
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
6320 South Dale Mabry Highway, Tampa, FL 33611
  • Multiple Policy Types

Why choose this provider?

We Insure Tampa Bay Agency comprises insurance experts who provide a range of insurance plans that meet the specific goals of clients in Tampa. The team is equipped with modern technology and connects with multiple insurance carriers to deliver personalized insurance coverage. The team offers renters' insurance that protects personal items, such as electronics, furniture, appliances, and clothes. Its plan can pay for the repair or replacement of stolen or damaged items. Other products are home, auto, and business insurance.

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 (111)
Facebook
5.0 / 5 (29)

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
5300 West Cypress Street, Tampa, FL 33607
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Omega Insurance Agency, Inc. is an independent insurance agency that has been providing its full services to clients in Tampa and the surrounding areas since 2012. It offers a wide array of insurance products that include auto, business, home, flood, and general liability. It also offers renters' insurance alongside other home-related policies like condo insurance, renovation insurance, and high-value insurance. The company strives to make the process of obtaining insurance easy and streamlined for its clients.

License Verified:

License: L078824

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 (22)
Facebook
4.0 / 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

Website
3212 S Dale Mabry Hwy., Tampa, FL 33629
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Established in 2004, Webb Insurance Group is an independent agency catering to individuals and families in Tampa. It offers various risk management solutions, including policies for renters and homeowners. Its renters' insurance includes coverage for disasters and living costs during repairs. Personal umbrella, automobile, and commercial insurance are also available. The agency won the Small Business of the Year award by the South Tampa Chamber of Commerce in 2008. Its founder, Laura Webb, has been in the industry since 2001.

License Verified:

License: E006542

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 (351)
Facebook
5.0 / 5 (139)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
114 East Davis Boulevard, Tampa, FL 33606
  • Multiple Policy Types

Why choose this provider?

Florida Insurance Solutions is an independent insurance company that serves individuals and small businesses surrounding the Tampa metro. Since 1994, it has offered renters' insurance policies that help secure a tenant's personal belongings in case of calamities or unfortunate events. The said policy also includes personal liability coverage for accidents or injuries a renter may be legally responsible for. With over 20 years of experience, Florida Insurance Solutions has customized policies for clients through the insurance carrier companies it represents.

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 (100)
Facebook
5.0 / 5 (5)

Website
3314 West Bay to Bay Boulevard, Tampa, FL 33629
  • Multiple Carriers

Why choose this provider?

Most Insurance serves individuals, families, and businesses in Tampa. With a focus on personal lines insurance policies, the company offers homeowners' insurance, renter's insurance, luxury home insurance, and umbrella insurance. It offers insurance policies that secure clients' jewelry, automobiles, classic cars, motorcycles, RVs, and watercraft. It also manages requests for commercial insurance policies, including commercial property insurance, commercial auto insurance, and general liability insurance. Founded in 1973, the company assists clients through the insurance shopping process.

License Verified:

License: L004697

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 (94)
Facebook
4.0 / 5 (34)
Yelp
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
10730 North 56th Street, Temple Terrace, FL 33617
  • Multiple Policy Types

Why choose this provider?

Elite Business Insurance is an independent insurance agency that serves Tampa and other surrounding communities. It shops among hundreds of carriers to find the best insurance program that meets the financial and personal goals of its clients. It offers renters' insurance that covers a tenant's personal possessions in the event of fire, water damage, or theft. The company also focuses on business insurance solutions, which include commercial auto, property, equipment, workers' compensation, and general liability insurance.

License Verified:

License: L086289

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 (135)
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
4871 Bruce B Downs Boulevard, Wesley Chapel, FL 33544
  • Multiple Policy Types

Why choose this provider?

Beau Barry is a local agent with GreatFlorida Insurance, an independent agency that has been operating since 1991. He provides clients in Tampa with customizable renters' insurance plans, which are designed to offer protection for mementos and belongings in case of damages, natural disasters, and incidents. This insurance plan covers relocation expenses, liability cases, and medical bills. In addition, Barry handles personal and commercial lines of insurance, such as homeowners', condo, umbrella, and vehicle insurance.

License Verified:

License: P045554

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 (34)

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
3419 South Dale Mabry Highway, Tampa, FL 33629
  • Multiple Policy Types

Why choose this provider?

All Star Insurance is a Tampa-based independent insurance agency formed and established by Joe Maguire almost two decades ago. It partners with an extensive network of insurance carriers to provide customers with policies that are tailor-fit for their needs. One of its services is renters' insurance. This policy provides comprehensive coverage for a renter's belongings in cases of theft, accidents, or loss of use. Renters' insurance also typically includes liability coverage, so that clients are protected financially should there be an accident in their rented property.

License Verified:

License: L004191

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 (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

Website
3001 West Waters Avenue, Tampa, FL 33614
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Atlantic Insurance full-service independent insurance agency that serves Tampa and the surrounding areas. It offers a variety of insurance policies, including renters' insurance. Renters' insurance covers the gap between a landlord's existing insurance for the building and the protection of personal property such as furniture, clothing, or electronics in the event of a fire or theft. Established in 1989, Atlantic Insurance represents multiple insurance carriers that help clients customize coverage plans for auto, home, flood, life, and health.

License Verified:

License: L062253

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 (95)
Facebook
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
306 West Waters Avenue, Tampa, FL 33604
  • Multiple Policy Types

Why choose this provider?

Mutual Insurance Agency is a Tampa insurance brokerage that provides personalized insurance solutions to both commercial and individual clients. The firm has been operating for more than 60 years and is connected with dozens of insurance providers. The firm offers various property insurance policies, such as its renters' insurance plans that protect against liabilities and provide financial coverage for losses and vandalism. The plans also cover expenses for damages caused by natural disasters.

License Verified:

License: L005356

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 (5)
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
6107 Memorial Highway, Tampa, FL 33615
  • Multiple Policy Types

Why choose this provider?

Tampa Insurance Services is an insurance agency that caters to individuals and families in the Tampa area. The company offers renters' insurance policies that will ensure the safety of their possessions. These policies also aim to provide them coverage for additional living expenses if they are forced out of home due to disasters. In addition, it handles homeowners' and flood insurance. Tampa Insurance Services is committed to assisting customers while maintaining a friendly and positive attitude.

License Verified:

License: L086044

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 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • What is Tampa's property crime rate, and how does it impact the necessity of obtaining renters' insurance?

    Tampa residents have a 1 in 59.7 chance of experiencing property crime each year, a figure that's 14.36% below the national index. The city also records a property crime rate of 5.41% less than the statewide statistic, marking it as relatively safe for personal assets. Despite these lower risks, procuring renters' insurance is a wise, cost-efficient strategy for asset protection. Individuals are encouraged to meticulously evaluate the value of their possessions to secure adequate coverage.

  • What types of damages to personal belongings are covered by renters' insurance in Tampa?

    In Tampa, renters' insurance, also known as an HO-4 policy, typically covers property damage resulting from natural perils like wind and lightning. It also safeguards personal belongings from fires, theft, and vandalism. Covered items include electronics, furniture, clothing, bedding, towels, kitchen appliances, and most sports and hobby gear. However, it excludes flood damage, which necessitates a separate flood insurance policy.

  • What factors should first-time Tampa renters evaluate when setting their insurance deductibles?

    When choosing their insurance deductible, first-time renters in Tampa should take into account how much they can afford to pay out-of-pocket in the event of a claim. Note that greater deductibles can result in more affordable premiums. While renters' insurance can be a highly cost-effective option for individuals who are renting their first apartment, it's important for them to consider their deductible options.

  • Why is "loss of use" coverage important for renters' insurance policies in Tampa?

    For Tampa renters, "loss of use" or Coverage D is essential, as it funds extra out-of-pocket costs if they must relocate temporarily due to their rented home being uninhabitable after a disaster. This coverage is especially crucial in situations where authorities block access to their residence due to neighboring damages. Tenants should keep the receipts of each additional living expense, regardless of the amount, to ensure they can get reimbursement from their insurer.

  • What factors do renters' insurance underwriters in Tampa assess when determining policy approval and pricing?

    Renters' insurance underwriters in Tampa consider a number of factors, including the age of the house and the state of its essential components, including plumbing, heating, air conditioning, electrical, and roofing systems. The location of the property, the presence of specific pets, and the renter's credit and loss history all have an impact on the pricing and approval of the policy. Insurers are required to notify renters and give specific explanations for any denials of applications or nonrenewals of policies.

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