Florida Landlord & Rental Property Insurance

Renting out a property in Florida is a different insurance problem than living in it. A homeowners policy assumes you, your family, and your belongings are inside the house — the moment a tenant moves in, the right form changes. We write landlord coverage for single-family rentals, duplex and triplex investment property, and small portfolios, with careful attention to the occupancy details so a claim doesn't get disputed later when the carrier asks how the property was actually being used.

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Landlord coverage in Florida is structurally different from owner-occupied homeowners insurance — the right form is usually a DP-3 (Dwelling Property 3, special form) rather than an HO-3, with fair-rental-value coverage replacing loss-of-use and premises liability scaled to non-owner-occupied risk. Florida First Insurance of Broward writes single-family rentals, duplex and triplex investment property, and small portfolios of 4-unit-and-under residential rentals.

The decisive placement variables are occupancy (long-term tenant, vacation/short-term, vacant pending repair), wind mitigation status, year of build, and whether the property sits in a wind-borne-debris region. Section 8 / HUD-voucher placements need specific documentation; snowbird-rented properties spend long stretches vacant in shoulder seasons and need vacancy endorsements. We document occupancy honestly at binding to avoid coverage disputes later.

Rental-dwelling policies bind across Broward, Miami-Dade, and Palm Beach in the south; Collier and Lee on the southwest coast; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco through the Tampa Bay region; Polk and Orange on the I-4 axis; Brevard and Volusia along the Atlantic; Seminole, Alachua, and Marion through North Central Florida; Duval up north; and Leon and Escambia in the Panhandle.

Landlord insurance is available for property owners in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Landlord Insurance Cover?

Building Coverage — Covers the structure of your rental property including walls, roof, fixtures, and permanent features from covered perils.
Liability Protection — Protects you if a tenant or guest is injured on your property or you accidentally damage someone else's property.
Loss of Rental Income — Reimburses you for lost rental income if the property becomes uninhabitable due to a covered loss.
Landlord Contents — Covers landlord-owned appliances, fixtures, and other contents provided for tenants' use.