Landlord Insurance in Florida — Affordable Coverage & Free Quotes
Licensed Florida agents. Free Quote in 2 minutes. Starting at $85/mo. Save up to 40% on premiums.
Understanding landlord insurance in florida in Florida
Florida’s unique climate, geography, and regulatory environment make landlord insurance one of the most important financial decisions you can make. Our licensed Florida agents shop top-rated carriers to find the right coverage at the best available rate.
We re-shop your file at every renewal — because the Florida insurance market changes every year, and loyalty rarely pays.
What's included in our landlord insurance in florida policies
- Dwelling and structure coverage
- Liability for rental property
- Loss of rental income
- Vandalism and malicious damage
- Premises medical payments
- Multiple unit coverage
- Fair rental value after covered loss
- Optional tenant default protection
Landlord Insurance in Florida pricing tiers in Florida
Starting at $85/mo. Real ranges based on coverage levels and risk profile.
| Tier | Coverage | Starting at |
|---|---|---|
| Basic Landlord | Structure + liability, single unit | $85/mo |
| Standard DP-3 | Open perils + rental income | $120/mo |
| Multi-Unit | 2–4 units, portfolio discount | $195/mo |
| Commercial Rental | 5+ units, commercial policy | Custom |
Why Florida chooses us
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State-licensed agents who live in Florida and know your ZIP code's rates.
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Independent agency — we shop a dozen carriers, not just one.
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Sign, pay, get covered — often the same day.
Landlord Insurance in Florida questions, answered
A homeowners policy is for owner-occupied homes. A landlord/dwelling fire policy is for rental properties. Using a homeowners policy on a rental can void your coverage.
Standard landlord policies cover accidental damage but typically not tenant malicious damage or unpaid rent. Optional riders can add these coverages.
No Florida law requires it, but mortgage lenders on investment properties typically require it. It also protects your income stream and investment.
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