Landlord Insurance in Florida
Owning a rental home, condo, or duplex along Florida’s sun-soaked coast can be lucrative—but hurricanes, humidity, and tenant mishaps can turn profits into losses fast. A dedicated landlord (DP-3) policy shields your investment when you’re not the one living there.
What a Florida Landlord Policy Typically Covers
| Protection | What It Does for You |
|---|---|
| Property Damage | Pays to repair or rebuild the structure after fire, wind, hail, vandalism, or other covered perils. Optional extensions can include detached garages, sheds, and fences. |
| Loss of Rental Income | Reimburses the rent you miss if a covered loss (e.g., kitchen fire, hurricane damage) makes the unit uninhabitable during repairs. |
| Landlord Liability | Covers legal fees, medical bills, and judgments if a tenant or guest is injured due to a condition on your property. |
| Optional Add-Ons | • Flood insurance for storm-surge zones • Vandalism & theft for vacant periods • Equipment breakdown for landlord-owned HVAC and appliances |
Why It’s Essential in Florida
Severe weather – Tropical storms and hurricanes strike every season.
High humidity – Leaks and mold can escalate quickly, leading to costly repairs.
Active rental market – Higher tenant turnover means more wear, tear, and liability exposure.
A landlord policy transfers these risks to the insurer, preserving your cash flow and long-term ROI.
What Affects the Cost?
Location, flood zone, and wind mitigation features
Age, construction type, and roof condition
Tenant occupancy (long-term vs. short-term rentals)
Coverage limits, deductibles, and selected endorsements
Your claims and credit history
Because carriers rate these factors differently, shopping multiple insurers often uncovers significant savings.
Get Your Free Landlord Insurance Quote
Florida Best Quote compares policies from top-rated carriers to match coverage with your rental’s exact risk profile—at a price that keeps your investment profitable. Call today or request a quote online to secure the protection every Florida landlord needs.
Largo, FL 33770
- Get Directions
- 727-584-9999
- Mo,Tu,We,Th,Fr 9:00 am – 5:00 pm
