Landlord Insurance Quotes In Florida

What Is Landlord Insurance?

Landlord insurance—also known as a dwelling fire policy (DP-3)—is designed for property owners who rent out homes, condos, or apartments. Unlike a standard homeowners policy, landlord insurance protects your property when you’re not living in it and covers situations unique to rental properties.

What Does Landlord Insurance Cover?

A comprehensive Florida landlord insurance policy typically includes:

1. Property Damage

✔ Covers damage to the physical structure of your rental property caused by fire, storms, vandalism, or other covered events.
✔ Optional coverage available for detached garages, fences, and other structures.

2. Loss of Rental Income

✔ Reimburses lost rent if your property becomes uninhabitable due to a covered event (e.g., fire, hurricane).

3. Liability Protection

✔ Covers legal expenses, medical bills, and damages if a tenant or guest is injured on your property.

4. Optional Add-Ons

✔ Flood Insurance – Highly recommended in Florida due to the risk of storm surge and rising waters.
✔ Vandalism and Theft – Especially important for vacant or partially occupied properties.
✔ Equipment Breakdown – Covers appliances or HVAC systems owned by the landlord.

Why Landlord Insurance Is Essential in Florida

With Florida’s high humidity, storm frequency, and active rental market, landlords face more than the average number of risks. A simple plumbing leak or windstorm can cause thousands in damages—not to mention legal claims from tenants. The right Florida landlord insurance policy provides peace of mind and financial protection.

How Much Does Landlord Insurance Cost in Florida?

Rates for landlord insurance depend on several factors, including:
✔ Property location and flood zone status
✔ Age and condition of the property
✔ Type of construction and roofing materials
✔ Rental history and tenant occupancy
✔ Coverage limits and selected add-ons

At Florida Best Quote, we shop policies from top-rated insurance providers to find you the best coverage at the lowest available rate.

Get a Free Quote for Landlord Insurance in Florida

Whether you’re renting out a single-family home, a condo, or a multi-unit building, we’ll help you find the right protection. Call Florida Best Quote today or request a free landlord insurance quote online to secure your investment and minimize risk.