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Best Renter's Insurance Companies in Miami Beach, FL

Our Recommended Top 3

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 Beach 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

1321 Alton Rd, Miami Beach, FL 33139
WebsiteLicense: P227278 Rating

Why choose this provider?

Estrella Insurance #122 helps clients in Miami Beach protect their personal belongings inside their apartments through renters' insurance services. It also assists individuals in securing their loved ones and properties by applying for auto, health and life, workers' compensation, commercial, and motorcycle insurance policies. The team at the insurance company speaks English and Spanish languages. It also provides insurance services to California, Nevada, Texas, Arizona, and Colorado. Estrella Insurance #122 is also available for landlord insurance services.

  • Multiple Policy Types

1444 Biscayne Blvd Suite 308, Miami, FL 33132
WebsiteLicense: L110296 Rating

Why choose this provider?

Lexi Goza is an insurance professional who runs a State Farm-affiliated insurance agency that caters to clients in Miami Beach. Since its establishment in 2019, Goza's insurance firm has been offering a wide range of insurance products, including renters' policies. The renters' insurance covers policyholders' belongings, such as computers, TVs, electronics, bicycles, furniture, and clothing. These valuables can be found both inside and outside the renters' apartment, condominium, or rental house. The coverage also provides liability protection if someone is injured at the policyholders' residence.

  • Multiple Policy Types
  • Home and Auto Insurance

15805 Biscayne Blvd. Suite 205, North Miami Beach, FL 33160
WebsiteLicense: E039300 Rating

Review Sources

4.8 (47)

Why choose this provider?

Melissa Raposo is an insurance broker serving clients in Miami Beach and neighboring communities. She offers renters’ insurance policies covering a tenant’s personal belongings such as appliances, furniture, clothes, jewelry, and electronic systems. The policy also includes medical bills and attorney’s fees if a guest is injured within the rented property. The agent also provides insurance products for homeowners, vehicles, and businesses. Melissa is the owner of Raposo Insurance Group, an agency under GreatFlorida Insurance. She also assists Spanish-speaking clients.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Estrella Insurance #122
1321 Alton Rd, Miami Beach, FL 33139
Lexi Goza
1444 Biscayne Blvd Suite 308, Miami, FL 33132
Melissa Raposo
15805 Biscayne Blvd. Suite 205, North Miami Beach, FL 33160


  • How does location affect the cost of renters' insurance in Miami Beach?

    Location in Miami Beach influences the cost of renters' insurance because it affects how risky it is for the insurer to cover the insured. A rental property in a safe neighborhood will have cheaper premiums than one in a more dangerous one. This is because the odds of theft and crime are higher in the latter setting.

  • In Miami Beach, what is the difference between actual cash value and replacement cost value in a renters' policy?

    In a Miami Beach renters' insurance policy, actual cash value refers to the present cost of a thing that is lost and due for replacement. It takes into account depreciation and will be lower than the initial purchase price of the object. Replacement cost value refers to how expensive it is to replace the lost thing with a brand-new equivalent or near-equivalent. Depreciation does not come into play.

  • How may a tenant in Miami Beach reduce the cost of renters' insurance?

    A tenant in Miami Beach may reduce the cost of renters' insurance by reducing the risk that the insurer assumes when insuring the property. This is accomplished by making the premises safer through installing security cameras and fire alarms. In addition, policyholders can save money by bundling their coverage and protecting their vehicles and other valuables under a single policy.

  • If a house in Miami Beach burns and sustains water damage, why is relying on the landlord's homeowners' policy insufficient for the tenant?

    If a house in Miami Beach burns and sustains water damage because of firefighting activity, the landlord's homeowners' policy won't be enough for the tenant. At best, it will cover the structure itself and components like the walls and flooring of the unit. The occupants' personal belongings can be covered by renters' insurance.

  • How can a renters' policy in Miami Beach help if one's residence becomes uninhabitable because of fire damage?

    A renters' policy in Miami Beach can help if a residence burns and becomes uninhabitable because of temporary living expenses coverage. This coverage reimburses the tenant’s costs associated with finding and living in a new house or a hotel should one's rental property become unfit for human occupation.

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