Landlord Insurance in Miami, FL

A standard homeowners policy does not cover a home you rent to others. Landlord insurance, also called a dwelling fire or DP-3 policy, is written for property you own but do not live in.

We insure single family rentals, duplexes, condos, and small multi unit buildings across Florida for both local and out of state owners.

What landlord insurance covers

• Dwelling and other structures
• Landlord's personal property used to service the rental, such as appliances
• Loss of rental income after a covered loss
• Premises liability if a tenant or guest is injured
• Optional: vandalism, burglary, and tenant caused damage endorsements

What Florida owners should know

Florida rental properties face the same hurricane deductibles, roof age requirements, and inspection rules as owner occupied homes. Vacant properties are a separate problem: most landlord policies restrict or exclude coverage if the property sits empty for more than 30 to 60 days, so tell us if a unit is between tenants.

Ask your tenants to carry renters insurance. It protects their belongings and gives you a second liability policy in the picture if something goes wrong.

Common questions

Can I keep my homeowners policy if I move out and rent the house?

No. Once the home is tenant occupied, the homeowners policy no longer fits and a claim could be denied. Switch to a landlord policy before the tenant moves in.

Does landlord insurance cover the tenant's belongings?

No. The tenant needs their own renters policy for that.