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Based on 5,000+ Customers

Shop & Save Instantly On Florida Landlord Insurance

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Landlord Insurance

"Worth Insurance was outstanding especially agent Alex Lopez professional approach."

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Alexandra T.
Pembroke Pines, FL
5 star ratingsGoogle Reviews

"Lillian Marin was excellent! She was very helpful, and made the process so simple and efficient."

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Ricardo M.
Naples, FL
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"Alex was very professional and extremely helpful! He made the insurance process a breeze! Highly recommended!."

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Understanding Landlord Insurance in Florida

Landlord insurance is a specialized type of dwelling insurance designed for property owners who lease their properties. Unlike standard homeowners insurance, landlord insurance provides coverage tailored to the unique risks associated with rental properties. For Florida landlords, this type of insurance is especially crucial due to the state’s susceptibility to natural disasters like hurricanes, which can cause significant damage to properties.

While landlord insurance is not legally required in Florida, it is highly recommended. Many property owners may mistakenly believe that their standard homeowners insurance will suffice, but this often does not cover rental-related incidents. Therefore, understanding the importance of landlord insurance and securing adequate coverage is essential for protecting your investment from unexpected perils.

Landlord Insurance in Florida

Key Coverages in Florida Landlord Insurance

Florida landlord insurance is designed to protect rental properties from a variety of risks, ensuring that landlords can maintain their investments even in adverse situations. The key coverages typically included in these policies are property damage, liability, and loss of rental income. Each of these coverages plays a crucial role in safeguarding the financial stability of property owners. For more information, check out our Florida landlord insurance faqs.

Understanding these coverages is essential for making informed decisions about your insurance needs. Property damage coverage protects the physical structure of the rental property and any personal belongings used for maintenance, while liability coverage offers protection against legal and medical expenses if someone is injured on the property.

Loss of rental income coverage compensates landlords for lost revenue if the property becomes uninhabitable due to a covered incident.

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Protect Your Rental Property
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Your rental is an investment. Here’s how we help protect it—without the stress.

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Tell Us About Your Rental

Is it a single-family home? A duplex? A seasonal short-term rental? We’ll gather the essentials—property type, location, occupancy details, and any landlord-specific risks—to ensure our recommendations are a perfect fit for your situation.

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Compare Custom Coverage Options

We’ll shop the top-rated Florida landlord insurance providers and find policies that match your needs. Whether you’re looking for DP-1, DP-2, or DP-3 coverage, we’ll walk you through your choices and break down what’s actually worth paying for.

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Choose a Policy and Lock In Protection

Once we’ve narrowed it down, we’ll help finalize your policy. From hurricane coverage to loss-of-rent protection, our agents will make sure your rental property is covered from every angle.

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Why Worth Insurance?

Feature
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Time & Efficiency
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Comparison Sites
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Florida Insurance

We Help You Save & Maximize Discounts

Our agents give you personalized attention and have access to the best savings, discounts, and quotes available. You always get the coverage you need for your home at the lowest possible rate.

Let Worth Insurance take care of your home insurance needs – and lock in your savings and discounts today. Take a look at some of the ways we can help you save:

Detection Credit
Water Leak
Detection Credit
Burglar Alarm Credit
Burglar Alarm
Credit
Dwelling Credit
Age of
Dwelling Credit
Roof Loss Settlement
Actual Cash Value Roof Loss Settlement
Water Leak
Water Leak
Detection Credit
Burglar Alarm
Burglar Alarm
Credit
Age of  Dwelling Credit
Age of
Dwelling Credit
Actual Cash Value
Actual Cash Value Roof Loss Settlement
Water Leak Detection Credit
Water Leak
Detection Credit
Burglar Alarm Credit
Burglar Alarm
Credit
Age of  Dwelling Credit
Age of
Dwelling Credit
Actual Cash Value Roof Loss Settlement
Actual Cash Value Roof Loss Settlement
Senior Citizen Credit
Senior Citizen
Credit
Fire Alarm Credit
c
Fire Alarm Credit
Fire Alarm
Credit
Hardiplank Siding Credit
Hardiplank
Siding Credit
Senior Citizen Credit
Senior Citizen
Credit
Paperless Discount
Paperless
Discount
Fire Alarm Credit
Fire Alarm
Credit
Hardiplank Siding Credit
Hardiplank
Siding Credit
Senior Citizen Credit
Senior Citizen
Credit
Paperless Discount
Paperless
Discount
Fire Alarm Credit
Fire Alarm
Credit
Hardiplank  Siding Credit
Hardiplank
Siding Credit
Secured Community Credit
Secured
Community Credit
Water Damage Exclusion
Water Damage Exclusion
Hurricane Deductible Credit
Hurricane
Deductible Credit
Windstorm Loss Mitigation Credit
Windstorm Loss Mitigation Credit
Secured Community Credit
Secured
Community Credit
Water Damage Exclusion
Water Damage Exclusion
Hurricane  Deductible Credit
Hurricane
Deductible Credit
Windstorm Loss Mitigation Credit
Windstorm Loss Mitigation Credit
Secured Community Credit
Secured
Community Credit
Water Damage Exclusion
Water Damage Exclusion
Deductible Credit
Hurricane
Deductible Credit
Windstorm Loss Mitigation Credit
Windstorm Loss Mitigation Credit

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No more spending hours browsing through quotes on comparison websites or filling out lengthy forms. With WorthInsurance, you can apply in under 60 seconds and let our agents handle the rest.

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Our agents will find you competitive rates and discounts so that you can enjoy comprehensive coverage without breaking the bank.

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Our modern technology enables us to move faster than other agencies, ensuring that we secure tailored coverage options for you as soon as possible. So you don't have to worry about facing unexpected disasters or losses.

Landlord Insurance

Additional Endorsements and Optional Coverages

In addition to standard coverages, landlords in Florida can opt for various additional endorsements and optional coverages to further protect their investments. One common endorsement is flood insurance, which is particularly important in a state prone to flooding. Similarly, earthquake insurance can be a valuable addition for properties in areas susceptible to seismic activity.

Other optional coverages include protection against malicious damage caused by tenants, which can cover repairs for vandalism and other intentional damages. Some insurance providers offer tailored endorsements based on the specific risks faced by the property, allowing landlords to customize their policies to meet their unique needs.

These additional coverages can provide peace of mind and ensure that landlords are fully protected against a wide range of potential risks.

How to Get Landlord Insurance Quotes in Florida

Obtaining and comparing landlord insurance quotes is a straightforward process that can significantly impact the coverage and cost of your policy. Start by gathering quotes from multiple insurance providers. Many companies offer online tools that allow you to input your property details and receive quotes within minutes. This can help you assess various coverage options and costs effectively, ensuring you choose the best policy for your needs.

It’s important to compare quotes carefully, considering not only the price but also the coverage limits and exclusions. Obtaining quotes from various providers helps ensure adequate coverage. This approach also allows you to stay within your budget. This thorough approach will help you make an informed decision, providing peace of mind that your rental property is well-protected against potential risks.

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We take the stress out of shopping for landlord insurance. We make it easy to shop and save, so you don't have to worry.

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Quality Coverage

Protecting your home is our top priority, and we guarantee quality coverage from only the best-rated carriers on the market.

Save Time and Money
Save Time and Money

Our technology allows us to move quickly, so you don't have to wait months to get the necessary coverage. Our simple process makes getting the insurance you need easier than ever.

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Our experienced team will help you navigate the market and get the best rates for your needs.

Easy Process
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Apply in under 60 seconds, and let us take the stress out of comparing options and locking in your rate.

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Frequently Asked Questions

We get it. Landlord insurance is complicated. We're here to help clear things up.

What is Landlord Insurance?
faq

Landlord insurance covers rental properties you own but don’t live in. It protects against damage to the building, liability claims, and sometimes loss of rental income if the home becomes unlivable.

Is Landlord Insurance required in Florida?
faq

Not by law. But if you have a mortgage on the rental, your lender will likely require it. Even if it’s paid off, going without coverage in Florida—with hurricanes, sinkholes, and tenant risk—is a major gamble.

How is landlord insurance different from regular home insurance?
faq

Homeowners insurance is for primary residences. Landlord insurance is built for rentals—it covers tenant-caused damage, legal liability, and sometimes loss of rent. A standard home policy may deny claims on a rented property.

Can landlords require renters to carry renters insurance?
faq

Yes. In Florida, you can make renters insurance a lease requirement. It helps reduce disputes and covers tenant belongings, which your landlord policy won’t.

Does landlord insurance cover loss of rental income?
faq

If you add loss of rents coverage, yes. It can reimburse you if your property becomes uninhabitable due to a covered loss—like fire or storm damage. This doesn’t cover missed rent if a tenant simply doesn’t pay.

What does landlord insurance cover?
faq

Typical policies include:

  • Dwelling protection (structure of the rental)
  • Landlord liability (injuries or damage tenants cause)
  • Legal costs if you’re sued
  • Optional coverage: loss of rent, vandalism, appliance breakdown, etc.
What doesn’t landlord insurance cover?
faq
  • Tenant belongings (that’s renters insurance)
  • Normal wear and tear
  • Flood damage (requires separate flood insurance)
  • Loss of income from tenant non-payment
  • Mold or sewer backup unless specifically added
How much landlord insurance do I need?
faq

It depends on the value of the property, what you rent it for, and how much risk you’re willing to take. You’ll want enough to rebuild the home and cover liability exposure—especially in a litigious state like Florida.

What is landlord liability coverage?
faq

It protects you if a tenant or visitor is injured on your property and blames you. It can cover legal fees, settlements, and medical bills. Slip-and-falls, faulty stairs, or dog bites—these are real risks.

Does landlord insurance cover flood damage?
faq

No. Standard landlord insurance won’t pay for flood damage from rising water. If your rental is in a flood-prone area, you’ll need a separate flood policy through NFIP or a private carrier.

Is landlord insurance legally required in Florida?
faq

The state doesn’t require it, but lenders might. Either way, it’s essential. Even one uninsured disaster—fire, hurricane, or lawsuit—can cost far more than the annual premium.

What’s the difference between DP-1, DP-2, and DP-3 landlord policies?
faq
  • DP-1: Basic coverage, named perils only (cheapest, most limited)
  • DP-2: Covers more perils, often includes loss of rents
  • DP-3: Most comprehensive—open perils for the structure, often best for long-term rentals
    Most Florida landlords go for DP-2 or DP-3 for better hurricane and liability protection.
How can I lower my landlord insurance premium in Florida?
faq
  • Bundle with other policies
  • Increase your deductible
  • Add wind mitigation features (storm shutters, reinforced roof)
  • Keep the property well-maintained
  • Install monitored alarms or security systems
  • Choose higher coverage only where it matters
What does loss of rental income coverage include?
faq

It pays for lost rent if your unit becomes unlivable after a covered event. For example, if a hurricane damages the roof and your tenant has to move out, this coverage can reimburse missed rent while you repair the property.

Why should I compare landlord insurance quotes from multiple providers?
faq

Coverage can vary a lot in Florida. Some carriers exclude wind or water damage unless you add endorsements. Rates also change by region. Comparing quotes ensures you’re not overpaying—or underinsured.