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2024

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Best Renter's Insurance Companies in Gainesville, FL

Our Recommended Top 6

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 Gainesville 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.

47Reviewed

30Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4040 West Newberry Road, Gainesville, FL 32607
WebsiteLicense: R002572

Expertise.com Rating

Review Sources

Google
4.0 (8)
Facebook
5.0 (6)

Why choose this provider?

Located in Gainesville, Partners Insurance safeguards individuals from experiencing financial distress from unexpected perils that caused damage to their dwellings. The business offers renters' insurance programs that can cover events such as explosions, fire, lightning, smoke, theft, and vandalism. Additionally, policyholders who experienced water damage from broken plumbing systems are compensated by a partner carrier. The company can also cover temporary living expenses if its customers have unhabitable homes. Sheila Williams, its general lines agent, has 30 years of insurance experience.

  • Multiple Carriers
  • Multiple Policy Types

603 Northwest 10th Avenue, Gainesville, FL 32601
WebsiteLicense: L088781

Expertise.com Rating

Review Sources

Google
4.0 (48)

Why choose this provider?

American Auto Insurance is a local insurance agency serving individuals and businesses in Gainesville. Since 1982, it has been offering an extensive line of insurance products, including renters' insurance. Whether the rented unit is an apartment or a mobile home, this type of insurance protects the personal properties of policyholders against theft, fire, and storm damage. Its other benefits include liability coverage in the event of injuries and temporary living expenses when a unit becomes uninhabitable.

  • Multiple Policy Types

5200 West Newberry Road, Gainesville, FL 32607
WebsiteLicense: L088599

Expertise.com Rating

Review Sources

Facebook
4.0 (20)
Google
5.0 (1)

Why choose this provider?

Darr Schackow Insurance in Gainesville has renters' insurance products that pay off temporary living costs, provide support for individuals injured at the rented properties, and protect the policyholder's possessions. Belongings that are damaged or lost due to lightning, windstorm, explosion, water damage, vandalism, and theft are also covered. The agency, licensed in over 30 states, also has policy options for commercial clients, like contractors, restaurant owners, and hotel owners. Company partners John Darr, Sr. and Ray Schackow started as Nationwide insurance agents in 1992.

  • Multiple Policy Types

285 Northwest 138th Terrace, Newberry, FL 32669
WebsiteLicense: L014924

Expertise.com Rating

Review Sources

Google
4.0 (149)
Facebook
5.0 (36)
Yelp
2.5 (3)

Why choose this provider?

Schneider & Associates Insurance Agencies is a family-owned and family-operated independent insurance agency that has been serving clients in Gainesville since 2003. It offers renters' insurance to protect renters' valuables against damage or loss. The policy may also include property coverage for damage or loss from fire, lightning, wind/hail, or theft. Representing more than 50 insurance companies, the agency also provides insurance coverage options for home, auto, and business owners. It delivers personalized service for customized insurance coverage.

  • Multiple Policy Types

9127 Southwest 52nd Avenue, Gainesville, FL 32608
WebsiteLicense: P067046

Expertise.com Rating

Review Sources

Google
4.0 (48)
Facebook
4.0 (25)
Yelp
5.0 (22)

Why choose this provider?

The Moffat Agency is a locally owned and operated insurance business that serves clients in and around Gainesville. It offers renters' insurance policies that cover liabilities and personal properties. It also provides condo, flood, personal articles, motorcycle, recreational vehicle, and boat insurance options. Its owner, Kristy Moffat, has been in the insurance industry for more than two decades. She is also a member of the North Central Florida CPCU Society Chapter and Alachua County Emerging Leaders.

  • Multiple Policy Types

1120 Northwest 13th Street, Gainesville, FL 32601
WebsiteLicense: A172874

Expertise.com Rating

Review Sources

Google
4.0 (28)
Yelp
3.0 (2)

Why choose this provider?

Mark McGriff locally operates State Farm Insurance in Gainesville. He offers clients coverage for home and renters' insurance, auto, property, business, life and health, and pet insurance. Mark works into your renters' insurance to add coverage for risks against your personal properties such as computers, TV sets, electronic items, and bicycles in the event of theft or fire damage, even if the incident occurred outside of your registered residence. He can help with a secondary policy that can supplement your existing health coverage.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Partners Insurance
4040 West Newberry Road, Gainesville, FL 32607
American Auto Insurance
603 Northwest 10th Avenue, Gainesville, FL 32601
Darr Schackow Insurance
5200 West Newberry Road, Gainesville, FL 32607
Schneider & Associates Insurance Agencies
285 Northwest 138th Terrace, Newberry, FL 32669
The Moffat Agency
9127 Southwest 52nd Avenue, Gainesville, FL 32608
Mark McGriff
1120 Northwest 13th Street, Gainesville, FL 32601

FAQs

  • What is included in Gainesville renters' insurance coverage?

    A typical Gainesville renters' insurance policy includes coverage for the following:

    • Loss of use covers additional expenses when your rental property becomes unusable due to a covered incident.
    • Personal property covers items like clothing and furniture with a limit determined by your policy choice.
    • Medical payments for others include coverage for minor injury-related medical expenses for others, regardless of your liability.
    • Personal liability covers damages you may be responsible for, except when excluded by the policy.
  • Is renters' insurance a requirement in Gainesville?

    Tenants in Gainesville are not required by law to obtain renters' insurance. However, different landlords could have different rules, and some might need you to get renters' insurance before you rent their house. To know for sure, it's essential to carefully review the lease agreement to see if renters' insurance is mandatory according to the specific terms set by the landlord.

  • What is the cost of renters' insurance in Gainesville?

    The cost of renters' insurance in Gainesville varies from $12 to $25 per month, depending on the coverage you choose. However, several factors can affect the price of your policy, including the value and condition of your rental property, your military status, your rental history, and any past insurance claims you may have filed.

  • What are the reasons why a landlord in Gainesville might ask for renters' insurance?

    Here are a few motives for Gainesville landlords to mandate renters' insurance:

    • Landlords can use renters' insurance to identify top candidates for their high-demand rental units.
    • Sometimes, when a rental becomes uninhabitable, renter's insurance covers all relocation costs, benefiting both landlords and tenants.
    • Landlords can cut insurance costs by mandating renters' insurance, which lowers their own premiums through reduced claims.
    • Landlords require renter's insurance for pet damage, shifting responsibility to tenants to minimize risks and offer pet-friendly rental options.
  • Does your Gainesville renters' insurance provide coverage for your living expenses if you have to move out temporarily?

    If significant damage to your rental property forces you to temporarily relocate, your living expenses are typically covered by Gainesville renters' insurance. How this coverage might be used for your temporary relocation is decided by the adjuster assigned to oversee your claim. There won't be any upfront relocation costs. You must keep refunds and other documentation on file to bolster your claim.

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