what we do
Florida Landlord Insurance for Rental Properties
Renting Out a Property Requires the Right Insurance
If you rent out a home or condo, a standard homeowners policy isn’t designed to protect you — and in some cases, it may not apply during a claim. Landlord insurance is built specifically for tenant-occupied properties, addressing risks that come with renting, such as tenant liability, property damage, and lost rental income. We help Florida landlords protect their investment with coverage that fits how the property is actually used.
What Does Landlord Insurance Cover?
Dwelling (Property) Coverage
Protects the structure of your rental property against covered losses like fire, lightning, wind, and storm-related damage. Often written as a dwelling fire policy, this coverage is designed for non-owner-occupied homes.
Landlord Liability Coverage
Helps protect you if a tenant or visitor is injured on the property or claims negligence, such as a slip-and-fall or unsafe condition.
Loss of Rental Income
If a covered loss makes your property uninhabitable, this coverage can help replace lost rental income while repairs are made.
Other Structures Coverage
Protects detached structures such as garages, sheds, or fences on the rental property.
Optional Coverage Enhancements
Depending on the property and location, coverage can be tailored to include higher liability limits or additional protections.
Florida-Specific Protection for Landlords
Florida rental properties face unique risks, including hurricanes, windstorms, and heavy seasonal weather. Older roofs, coastal exposure, and tenant turnover can all affect coverage options. We ensure windstorm protection is properly addressed and help landlords understand requirements based on property age, location, and construction. Whether you own a single-family rental in Jupiter or an investment condo elsewhere in Florida, we tailor landlord coverage to protect both the property and your income.
Our Process
1
Review how the property is used and occupied
2
Identify proper dwelling and liability limits
3
Address windstorm and storm-related coverage needs
4
Compare multiple Florida carriers for the best fit
Landlord Insurance
vs. Homeowners Insurance
The table below shows how responsibilities are typically divided between a condo association and the unit owner in Florida.
| Coverage Area | Homeowners Policy | Landlord Policy |
|---|---|---|
| Owner-Occupied Home | Yes | No |
| Tenant-Occupied Property | Not designed for this | Yes |
| Dwelling Coverage | Included | Included |
| Liability Protection | Limited to owner use | Designed for tenants |
| Loss of Rental Income | Not covered | Covered |
| Tenant-Related Risks | Not addressed | Covered |
Not sure if your current policy fits your rental situation? We can review it with you.
Common Questions About Florida Landlord Insurance
Do I need special insurance for a rental property in Florida?
Yes. Once a property is rented, homeowners insurance is no longer appropriate. Landlord insurance is designed for rental risks.
What does landlord insurance cover that homeowners insurance doesn’t?
Landlord insurance includes coverage for tenant-related liability and loss of rental income, which homeowners policies typically exclude.
Does landlord insurance cover tenant damage?
Coverage applies to certain types of damage caused by covered events. Wear and tear or intentional damage is usually excluded.
Can you insure rental condos as well as houses?
Yes. We offer landlord coverage for single-family homes, duplexes, and condo units rented to tenants.
Should landlords consider umbrella liability coverage?
If you own multiple properties or have significant assets, umbrella liability can provide an extra layer of protection beyond your landlord policy.
Protect Your Rental Property and Income
Your rental property is an investment — protect it with Florida landlord insurance designed for real-world risks. Our Jupiter-based team helps landlords across Florida & Beyond secure dependable coverage with clarity and confidence.
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