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Find the Best Renters Insurance in West Palm Beach, FL

Renters insurance protects renters from financial loss if their personal belongings are damaged by a covered event. However, many renters go uninsured, much to their peril. Renters insurance is affordable and convenient as long as you know where to look. That’s why we researched the best renters insurance in West Palm Beach to help you select the right policy.

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Serves residents in
West Palm Beach, FL
(855) 695-2255
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  • Available in West Palm Beach
Serves residents in
West Palm Beach, FL
(855) 522-3444
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GreatFlorida Insurance: Brian Lariviere
  • 24/7 service through partners
  • Independent agency
  • Separate hurricane deductibles
  • westpalmbeach1.greatflorida.com
4833 Okeechobee Blvd., Ste. 106A
West Palm Beach, FL 33417
(561) 697-9222
State Farm Insurance: Dan Cavin
  • ChFC, CASL, CLU, CLF, & IA
  • Speaks Spanish & Portuguese
  • Electronics are covered up to $5,000
  • dancavin.com
3650 Forest Hill Blvd., Ste. 3
West Palm Beach, FL 33406
(561) 967-3000
GEICO Insurance: Steve Sprague
  • Living expenses coverage
  • 30+ years insurance experience
  • Multi-policy discount
  • geico.com/insurance-agents/florida/west-palm-beach/steve-sprague
884 N. Military Trl.
West Palm Beach, FL 33415
(561) 616-5944
Allstate Insurance: Richard P. Lydon
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.allstate.com/richard-p-lydon-west-palm-beach-fl.html
2845 N. Military Trl., Ste. 3
West Palm Beach, FL 33409
(561) 687-1800
Progressive Insurance
  • M-F: 8am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • progressive.com/renters
1641 Worthington Rd.
West Palm Beach, FL 33409
(800) 776-4737
Freeway Insurance
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • freewayinsurance.com/insurance-options/renters-insurance
2550 Okeechobee Blvd.
West Palm Beach, FL 33409
(561) 406-7017
A.C. Insurance Services
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • myacis.com/category/renters-insurance
1274 N. Military Trl.
West Palm Beach, FL 33409
(561) 683-2230
Insurance Designers
  • M-F: 9am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • insurancedesignersinc.com/renters-insurance
4123 Parker Ave.
West Palm Beach, FL 33405
(561) 833-2886

How to choose rental insurance in West Palm Beach


Sunny South Florida is known for being a tropical paradise. However, it’s not exactly the safest place in America. With an above average crime rate and the constant threat of fire, hurricanes and other disasters, it’s no surprise that homeowners insurance is a must to purchase a home.

At the same time, renters insurance in Florida typically isn’t required even though one study found the average renter owns more than $30,000 in personal property. In cases of fire, burglary or water damage, uninsured renters stand to lose everything. A catastrophic loss could see renters in West Palm Beach spending upwards of three years working to replace their belongings and get back to life as usual.

There are a handful of key differences and similarities between renters insurance and homeowners insurance:

  • Difference: Less than half of all renters are insured. However, some landlords require renters insurance.
  • Difference: You’re only insuring personal property, which means plans will be clearly defined and typically more affordable.
  • Similarity: There are events your policy won't cover, like flooding or earthquakes. So even though policies are typically straightforward, read all the policy documents to know what you’re getting.

Renters insurance also offers liability coverage if you accidentally injure someone in your home or damage their property.

Some renters insurance policies also cover living expenses, like hotel bills, while sorting out your life after a disaster that forces you to leave your home.

How much coverage do you need for renters insurance in West Palm Beach

The best way to get started is with a home inventory. Add up how much it would cost to replace all of your stuff right down to the towels and sheets in your home. Shop for that level of coverage.

Plans typically repay the actual cash value or replacement cost of your belongings. Premiums for the latter are about 10 percent more on average. Since actual cash value plans may not pay out enough to repurchase your belongings, replacement policies are well worth the premium if you ever need to file a claim.

Finally, renters can sometimes save on insurance by bundling plans or having safety and security features in their homes like fire alarms and security systems.

Renters Insurance Reviews


Policygenius makes it quick and easy to get renters insurance through their online portal while bundling plans with products and services from companies like HelloFresh and Casper. Across the country and across the board, Policygenius renters insurance has earned good reviews from happy clients for its ease of use and helpful interface.



EverQuote is an insurance marketplace that allows clients to shop policies from a variety of underwriters and get the best possible insurance to fit their needs. Reviewers were generally positive on the competitive deals offered by EverQuote’s partners but sometimes confused about filing a claim or receiving customer support.