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(479) 421-6814

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(479) 421-6814

Get a quote

Renters Insurance Tampa

Protect What Matters Most in Tampa, FL

Whether you’re renting an apartment in downtown Tampa, a condo in Hyde Park, or a mobile home in Town ‘n’ Country, your belongings and liability deserve reliable protection.

At Insurance Central of Tampa Bay, we specialize in affordable, comprehensive renters insurance tailored to your lifestyle and budget. As a trusted Tampa-based insurance broker, we help renters across the city secure the peace of mind they need.

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What Does Renters Insurance Cover?

Renters insurance is more than just peace of mind — it’s practical protection that covers you when life takes an unexpected turn. Here’s what’s typically included in a standard policy:

Personal Property Protection

Covers damage or loss from fire, theft, vandalism, and certain natural disasters.

Liability Coverage

Protects you financially if someone is injured in your rental property or you accidentally damage someone else’s property.

Loss of Use (Additional Living Expenses)

Covers hotel and living costs if your rental becomes uninhabitable due to a covered event.

Medical Payments to Others

Covers minor medical bills for guests injured on your property, regardless of fault.
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Affordable and Flexible Coverage Options

We understand that every renter has different needs and budgets. That’s why we offer cheap renters insurance in Tampa without compromising on protection. Whether you need basic coverage for a studio apartment or a more robust plan for a larger rental, we compare top insurance carriers to find you the best value. Let us customize a policy that fits your lifestyle and financial goals.
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Specialty Coverage for Tampa Renters

Not every rental is the same — and not every policy should be either. We offer specialized renters insurance coverage for:

Condo Insurance

Ideal for renters in shared buildings or gated communities in areas like South Tampa or Harbour Island.

Mobile Home Insurance

Designed for renters in mobile or manufactured homes in neighborhoods like Palm River-Clair Mel.

Apartment Insurance

Tailored coverage for apartment renters throughout the Tampa Bay area.
If you’re unsure which category your property falls under, we’ll walk you through the differences and help you make the right choice.

Why Choose Insurance Central of Tampa Bay?

As an independent insurance broker located right here in Tampa, we work for you — not the insurance companies. Here’s why local renters trust us:

We’re based in Tampa, and we understand the local market, risks, and regulations.

As independent agents, we shop across multiple insurance carriers to get you the best price and coverage.

We provide personalized service, ensuring your policy is tailored to your needs — not a one-size-fits-all solution.

Our team is always available to answer questions, explain coverage options, and help you file a claim if needed. You’re not just another policy number — you’re a neighbor.
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Get a Free Renters Insurance Quote Today

It only takes a few minutes to find out how affordable renters insurance can be. Contact Insurance Central of Tampa Bay today for a free, no-obligation quote and let us help you protect what matters most.

Call us, stop by our Tampa office, or fill out our quick online form to get started.

Frequently Asked Questions

Is renters insurance required in Tampa?
While not required by Florida state law, many landlords in Tampa do require renters insurance as part of the lease agreement. Even if it’s not required, it’s a smart way to protect your belongings and finances.

How much does renters insurance cost in Florida?
On average, renters insurance in Florida costs between $15 and $30 per month. Prices vary based on your coverage limits, location, and personal risk factors. We can help you compare options to find the best rate.

What’s the difference between condo and apartment insurance?
Condo insurance typically covers different risks and may include coverage for parts of the structure, depending on the condo association’s policy. Apartment insurance usually covers only the renter’s personal property and liability. We’ll help you determine the right type of policy for your situation.

Does renters insurance cover flooding?
Standard renters insurance does not cover flood damage. If you live in a flood-prone area of Tampa, we can help you add separate flood coverage to your policy.

Can I bundle renters insurance with auto or life insurance?
Yes! Bundling your renters insurance with other policies like auto or life can often save you money. As brokers, we can help you find the best multi-policy discounts available.

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Serving Tampa and Surrounding Communities

We proudly serve the entire Tampa Bay area, including neighborhoods like:

South Tampa
Carrollwood
Ybor City
Brandon
Westchase
Temple Terrace
Channelside
Town ‘n’ Country
Wherever you rent in Tampa, Insurance Central of Tampa Bay is here to help protect your home and your future.

Contact Insurance Central of Tampa Bay

Ready to get started? Contact us today to speak with a licensed agent:

Insurance Central of Tampa Bay
Tampa, FL

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Call us or request your free renters insurance quote online now.