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Best Renters Insurance in Fort Myers, FL

Dec. 13, 2019, 12:13 a.m.

Although renters don’t share most of the expenses of home ownership, they should consider insuring their property. Renters insurance in Fort Myers can protect your finances after a disaster. A good insurance provider should offer adequate protection, affordable rates and policy management options. Our partners at ConsumerAffairs researched the best renters insurance in Fort Myers to help you find the right policy.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Fort Myers
Read More
Location
Serves residents in
Fort Myers, FL
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Fort Myers
Read More
Location
Serves residents in
Fort Myers, FL
(855) 522-3444
#3
Avalon Insurance Group
Avalon Insurance Group
Features
  • Family-owned & operated
  • Independent insurance agency
  • 40 years of insurance experience
  • Electronic Device Insurance available
Location
7370 College Pkwy., Ste. 312
Fort Myers, FL 33907
(239) 275-3888
#4
Tim Shaw Insurance
Tim Shaw Insurance
Features
  • $300,000 of liability coverage
  • A+ Accredited by BBB
  • Certificate of Insurance available online
  • Certified Insurance Counselor
Location
4091 Colonial Blvd., Ste. 100
Fort Myers, FL 53221
(239) 939-1010
#5
Regency Insurance Group
Regency Insurance Group
Features
  • Flood insurance available
  • Works with Safeco, Progressive, Mercury & Hartford
  • BBB A+ rating
  • Independent insurance agency
Location
5248 Red Cedar Dr., Ste. 103
Fort Myers, FL 33907
(239) 628-4344
GreatFlorida Insurance: Brian LaRiviere
GreatFlorida Insurance: Brian LaRiviere
Features
  • M-F: 9am - 5pm
  • Sat: 10am - 1pm
  • Closed Sun
  • ftmyers2.greatflorida.com
Location
4901 Palm Beach Blvd., Ste. 39
Fort Myers, FL 33905
(239) 694-2886
Southwest Florida Insurance Associates Inc.
Southwest Florida Insurance Associates Inc.
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • swflagency.com
Location
8595 College Pkwy., Ste. 160
Fort Myers, FL 33919
(239) 489-1212
GreatFlorida Insurance: Alicia Graham
GreatFlorida Insurance: Alicia Graham
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • ftmyers1.greatflorida.com
Location
2030 W. First St., Ste. C
Fort Myers, FL 33901
(239) 672-8194
AWA Insurance
AWA Insurance
Features
  • M-F: 7:30am - 4:30pm
  • Closed Sat and Sun
  • awainsurance.com
Location
13700 6 Mile Cypress Pkwy.
Fort Myers, FL 33912
(239) 418-1100
Acceptance Insurance: John Adt
Acceptance Insurance: John Adt
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 5pm
  • Closed Sun
  • locations.acceptanceinsurance.com/fl/fort-myers/3946-cleveland-ave
Location
3946 Cleveland Ave., Ste. B
Fort Myers, FL 33901
(239) 936-3517

How to choose rental insurance in Fort Myers

Fort Myers skyline

When you rent a home in Fort Myers, you aren’t usually responsible for the structure you rent. However, you are responsible for your belongings. If your belongings are damaged or stolen, it’s up to you to replace them unless you have renters insurance. Renters insurance covers perils such as:

  • Fire
  • Theft
  • Water damage
  • Smoke damage
  • Explosions
  • Vandalism

When choosing personal property coverage, compare replacement costs to the current cash value of your belongings. For example, a computer you bought two years ago is no longer worth the amount you paid for it. Depending on your policy, instead of receiving money for a brand new computer, you may only receive enough to cover its depreciated value.

Renters insurance also offers coverage for:

  • Liability if someone in your home is accidentally injured or their property is damaged
  • Living expenses like hotel rooms and meals if your home is uninhabitable

In any of the above cases, the costs can add up. Consider the cost of someone suing you over an injury in your home. If they have a severe injury caused by your negligence, you could be responsible for thousands of dollars in medical bills. Fortunately, renters insurance can protect you from that financial burden.

Who needs renters insurance in Fort Myers?

Anyone who rents benefits from renters insurance, and Fort Myers is full of renters, especially in neighborhoods like Paseo, Winkler and Lehigh Acres.

All Fort Myers residents need to be wary of theft and vandalism— there are over 1,500 property crimes per year in Lehigh Acres alone.

Water damage is another significant risk in Fort Myers because the city gets over 55 inches of rain each year. It’s worth noting that your renters insurance policy won’t protect you from your own intentional damage or certain natural disasters like floods, although it may cover water damage from leaks.

Young professionals might not financially recover if a flood destroys all of their furniture, and the same is true for seniors living on a fixed income. If you’re a college student, you likely also don’t have much disposable income. A stolen computer could leave you without a way to complete your assignments for a long time.

How much does renters insurance in Fort Myers cost?

If you get renters insurance, expect to pay about $12 a month. However, the price depends on your amount of coverage and deductible.

When getting insurance, get enough coverage to make theft or damage a non-issue. Extend coverage for expensive items like rare artwork or jewelry, or consider a separate floating policy that follows you around wherever you move.

You may also be eligible for discounts with a bundled policy or improved security.

Policygenius

Policygenius

This company offers many options for coverage and also has a straightforward online application process, which makes getting renters insurance in Fort Myers easy. Additionally, Policygenius offers multiple discounts for security features. Many customers comment on the affordability of the coverage they bought on the site.

EverQuote

EverQuote

If you want to look at and compare several insurance policies, EverQuote is the way to go. This company lets you search through renters insurance policies and makes it easy to tailor the policy to your needs. Many customers reported finding an affordable plan that covered their needs with EverQuote.

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