Independent Landlord Coverage
Florida Landlord Insurance
A rental property on a homeowners policy is a denied claim waiting to happen. We write dwelling-fire (DP-3) and landlord packages built for how your property is actually occupied — long-term tenants, seasonal renters, or short-term stays.
Inside your policy
Landlord coverage — tailored, not templated.
Dwelling Coverage (DP-3)
Protects the rental structure itself against covered perils, including Florida wind options.
Landlord Liability
Covers tenant and guest injury claims arising from the property you rent out.
Loss of Rents
Replaces rental income while covered damage makes the property unlivable.
Owner's Contents
Covers appliances and furnishings you provide — from washers to fully furnished units.
Short-Term Rental Forms
Purpose-built coverage for Airbnb/VRBO-style occupancy that standard landlord policies exclude.
Umbrella Compatibility
Structured so a personal umbrella can stack above it for portfolio-level protection.
The Florida factor
Florida is a different insurance market. We work it every day.
Florida's rental market spans everything from annual leases to vacation rentals near the parks and beaches — and each occupancy type needs a different policy form. Getting occupancy right is the single most important (and most-missed) part of insuring Florida rentals.
In good company
A portfolio of trusted Florida carriers
Landlord coverage where you live
Often bundled with
Protect what matters.
Tell us what you need to protect and our local team will return clear landlord options across multiple carriers — no pressure, no spam.