Cheapest & Best Renters Insurance In Tallahassee 2025
If you’re looking for the cheapest renters insurance in Tallahassee, Security First comes out on top, with rates averaging just $9 per month. Still, when it comes to overall value and coverage, State Farm ranks as the best option in the area.
We’ve saved shoppers an average of $200 per year on their renters insurance.
Security First offers the most budget-friendly renters insurance in Tallahassee, with an average monthly premium of around $9. However, for those seeking better coverage and more reliable customer service, State Farm is the top choice, even though its rates are slightly higher, averaging $20 per month.
Tallahassee, or “Tally,” sees more than 5,000 property crimes each year, affecting approximately 25 out of every 1,000 residents. Given these crime statistics, renters insurance is a wise investment to safeguard your belongings and provide financial protection for peace of mind.
Cheapest Renters Insurance Companies In Tallahassee
If you’re trying to find the cheapest renters insurance in Tallahassee, Security First stands out with the lowest average rate at just $9 per month. To help you compare your options, here’s a table featuring the five most affordable insurance providers in the area.
| Company | Average Monthly Cost |
| Travelers | $14 |
| Security First | $9 |
| State Farm | $20 |
| Nationwide | $15 |
| Allstate | $18 |
Best Renters Insurance Companies In Tallahassee
For renters in Tallahassee looking to save on insurance, Security First offers one of the most affordable options. Still, the cheapest plan isn’t always the best one. In my view, State Farm stands out as the best overall choice. It combines solid coverage with great customer service and offers competitive prices, especially if you bundle your renters and auto insurance. Plus, with a wide network of local agents, getting a policy and handling claims is simple and stress-free.
| Company | Average Monthly Cost |
| State Farm | $20 |
| Allstate | $18 |
| Progressive | $25 |
| Nationwide | $15 |
| Lemonade | $23 |
Average Cost Of Renters Insurance In Tallahassee
Renters in Tallahassee usually spend about $22 a month, or $264 a year, on insurance. However, your actual rate can differ based on things like your coverage amount, where you live, the deductible you choose, and how each insurance company sets its prices. Below is a table showing the average costs from five top providers in the area.
| Company | Average Monthly Cost |
| Lemonade | $25 |
| State Farm | $22 |
| Travelers | $17 |
| Nationwide | $19 |
| Progressive | $28 |
Average Cost Of Renters Insurance In Tallahassee By Deductible
A deductible is the amount you’re responsible for paying before your renters insurance kicks in to cover a claim. Choosing a higher deductible can lower your monthly premium, while a lower deductible often means paying more each month. The table below highlights how average renters insurance rates in Tallahassee change based on various deductible amounts.
| Deductible Amount | Average Monthly Cost |
| $250 | $21 |
| $500 | $20 |
| $1,000 | $18 |
| $1,500 | $17 |
| $2,000 | $16 |
Factors That Impact Renters Insurance Costs In Tallahassee
Several key factors can affect how much you’ll pay for renters insurance in Tallahassee:
Credit Score: Insurance companies often look at your credit score when calculating your rate. A lower score could mean higher monthly costs.
Claim History: If you’ve made multiple insurance claims in the past, insurers may see you as a higher risk, which can raise your premium.
Coverage Limits: Policies that offer more protection, like higher personal property limits or added features such as identity theft coverage, typically come with higher costs.
Home Safety Features: Adding things like smoke detectors, alarm systems, or sprinklers may reduce your risk and help you qualify for lower rates.
Location: If you live in an area with higher crime or severe weather risks, like flooding or hurricanes in Tallahassee, you might see higher premiums.
Deductible Amount: Picking a higher deductible can lower your monthly premium, while a lower deductible usually increases it since the insurer takes on more of the risk.
Common Causes Of Loss In Florida
Renters in Florida often face risks like fire, theft, storm damage, and water-related issues, which is why understanding these common threats is key when choosing the right insurance policy.
Water Damage
Leaks from plumbing systems, roof problems, or broken appliances can cause costly damage. Most standard renters insurance covers internal water damage, but not flooding. Because Tallahassee is flood-prone, having separate flood insurance is highly recommended.
Tornadoes and Storms
Florida regularly experiences intense storms and tornadoes. Luckily, most renters insurance policies include protection against wind and hurricane-related damage, which is especially important for Tallahassee residents.
Flooding
Tallahassee’s frequent heavy rains and proximity to bodies of water make flooding a real risk. Standard renters insurance doesn’t cover flood damage, so adding separate flood insurance is highly recommended.
Theft
With thousands of property crimes reported each year in Tallahassee, renters insurance can help cover the loss of stolen items. Some policies also include liability protection if someone is injured during a burglary.
Fire
Fires can spread quickly, especially in apartment buildings. Renters insurance can help replace personal belongings lost to fire, making it a crucial layer of financial protection in fire-prone areas.
Other Covered Events
Many policies also include protection against vandalism, some natural disasters, and accidental damage, giving renters even more peace of mind.
By being aware of these local risks, renters can choose a policy that offers the right coverage for their needs.
Our Methodology
To compare renters insurance providers effectively, we looked at several important factors, including cost, coverage options, claims handling, and customer support. Our research involved collecting quotes from various insurers in Tallahassee for standard policies that include $20,000 in personal property coverage and $100,000 in liability protection.
We also took a close look at deductible flexibility, optional add-ons like flood and earthquake coverage, and discounts—especially for bundling renters and auto insurance. Customer satisfaction played a key role in our analysis, using ratings from trusted sources like J.D. Power and Consumer Reports to highlight companies with strong service and efficient claims processes.
Tallahassee-specific risks, such as high rates of theft and frequent water damage, were also part of our evaluation, since they directly impact the kind of coverage renters should consider. All of these factors helped us create a balanced, in-depth guide to choosing the right renters insurance in Florida.
Quotes Analyzed
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About Bob Phillips
