Landlord Insurance in Florida
Protect Your Rental Property & Investment
Smart, Reliable Coverage From a Florida Independent Insurance Agency
At FLORIDA WE INSURE AGENCY, we know owning rental property is more than just collecting rent — it’s managing an investment and safeguarding your financial future. That’s why we offer tailored landlord insurance across Florida, working with 30+ top-rated carriers to deliver the right protection at great rates.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
What Your Florida Landlord Policy Should Cover
Rental Property Dwelling & Structure
Coverage for the physical structure — walls, roof, foundation, built-ins — against damage from fire, storms, wind, hail, or other covered perils.
Personal Property & Appliances (if rented furnished)
Protects furnishings, appliances, and provided fixtures against theft, damage, or loss — essential for furnished or short-term rentals.
Liability Coverage
Covers legal and medical costs if a tenant, visitor, or guest is injured on your rental property, or if you’re found responsible for property damage — a must for every landlord.
Loss of Rental Income / Fair Rental Value
If your property becomes uninhabitable due to a covered loss, this helps cover lost rental income while repairs are made.
Optional Add‑Ons for Florida Rental Risks
Given Florida’s climate and coastal conditions, you may need additional coverage — windstorm, flood, or storm‑related protection, depending on area and building type.
Add-ons
Add‑Ons & Optional Coverage Landlords Often Choose
Scheduled / High‑Value Property Protection
For appliances, furnishings, or valuables that exceed standard coverage limits
Water Backup & Sewer Overflow Coverage
Important for older homes or properties with shared lines or frequent storms.
Flood or Windstorm Supplements
Critical for coastal or flood‑zone rentals — protects against hurricanes, storm surge, and heavy rain damage.
Ask About Add‑Ons & Supplemental Coverage
Why It Matters
Owning rental property in Florida brings unique challenges: hurricanes, flooding, coastal weather, storm damage, and wear-and-tear from tenants. A properly structured landlord insurance policy is essential to protect your investment, reduce liability, and ensure rental income continuity when the unexpected happens.
Why Choose FLORIDA WE INSURE AGENCY for Landlord Insurance
30+ Florida Carriers Compared
We shop multiple top-rated insurers to find the most comprehensive coverage for your rental property at the best rate.
Tailored for Florida’s Risks
We understand challenges like hurricanes, flood zones, coastal weather, and tenant turnover — and design policies that address them.
Annual Policy Remarketing
At each renewal, we re-shop your policy to keep coverage robust and premiums competitive.
Free Legal Support for Claim Disputes
If a claim is delayed or denied, our in-house legal team advocates for you — at no extra cost.
Real Florida Agents, Not Call Centers
You get local expert service from agents who know Florida laws, weather patterns, and rental real estate dynamics.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Landlord Insurance FAQs
Do I need special landlord insurance if I rent out a home in Florida?
Yes. Landlord insurance is specifically designed to protect rental properties and the owner’s interests. Standard homeowner policies usually exclude rental activity, tenant liability, and rental income protection.
Does landlord insurance cover hurricane, flood, or windstorm damage?
Only if you include the appropriate endorsements or supplemental coverage. Given Florida’s coastal and storm risk, we strongly recommend windstorm and flood/rain coverage for rental properties in vulnerable areas.
Can I cover multiple rental properties under one policy?
Yes — depending on the insurer and property types, we can bundle multiple properties into one policy or set up separate policies as needed. Contact us to explore your options.
What if the tenant damages the property — is that covered?
Yes — landlord insurance typically covers property damage from covered perils, and many policies can include loss-of-income coverage if you must make repairs before re-renting.
Service areas
Areas We Serve — Landlord Insurance Across Florida
We provide landlord and rental‑property insurance statewide — including.
No matter where your rental is — coast, suburbs, inland — we build policies suited to your location and property type.
Landlord Insurance in St. Augustine
Landlord Insurance in Jacksonville
Landlord Insurance in Tampa
Landlord Insurance in Sarasota
Landlord Insurance Across Florida
Protect Your Investment
Get Landlord Coverage Today
Whether you own a single rental home, a multi‑unit property, or a vacation rental, we’ll help you find the right landlord insurance policy to protect your asset, income, and peace of mind.
