Florida Landlord Insurance

Own a rental property in Florida? A standard homeowners policy won't cut it. Landlord insurance protects the dwelling, your rental income, and your liability as a property owner - so a bad tenant or a bad storm doesn't wipe out your investment.

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Do You Need Landlord Insurance?

If you rent out a home, condo, duplex, or any residential property - even just for part of the year - you almost certainly do. A standard HO-3 homeowners policy is written for owner-occupied homes and can leave big gaps when tenants move in.

Long-Term Rentals

Single-family homes, condos, and small multifamily properties rented to long-term tenants.

Short-Term Rentals

Airbnb, VRBO, and other vacation rentals need endorsements or dedicated short-term rental coverage.

Inherited or Second Homes

Properties rented out while you decide what's next still need proper landlord coverage.

What Landlord Insurance Covers

A Florida landlord policy (often a DP-3) is built around the unique risks of renting out property.

Dwelling Coverage

Protects the rental structure itself - walls, roof, attached fixtures - from covered perils like fire, wind, and hail.

Loss of Rental Income

If a covered loss makes the property uninhabitable, this reimburses the rent you would have collected while it's being repaired.

Liability Protection

Covers legal costs and settlements if a tenant or guest is injured on your property and you're found responsible.

Other Structures

Detached garages, sheds, fences, and pool cages on the rental property.

Vandalism & Theft

Coverage for damage caused by vandalism or theft of items you own that stay with the property, like appliances.

Optional Endorsements

Add flood, hurricane, short-term rental, umbrella liability, or equipment breakdown based on how you use the property.

Landlord vs. Homeowners Insurance

A standard homeowners (HO-3) policy is written for the person living in the home. When you rent the property out, the risks change - and so should the policy.

Homeowners (HO-3)

  • •Covers the dwelling for owner-occupants
  • •Includes personal property (your furniture, clothes, etc.)
  • •Liability tied to your home, not your business of renting
  • •Claims may be denied if the home is rented out

Landlord (DP-3)

  • •Built for non-owner-occupied rental dwellings
  • •Protects loss of rental income after a covered loss
  • •Liability coverage appropriate for landlords
  • •Tenant's belongings are their responsibility (renters insurance)

Protecting Florida Rental Property the Right Way

The day a home becomes a rental, a standard homeowners policy stops being the right tool — and can even leave claims unpaid. Landlord coverage (a DP-3 policy) is built for tenant-occupied property: the dwelling itself, your liability as an owner, and the coverage most landlords haven't thought about until they need it — loss of rents, which keeps the income flowing while a covered loss makes the property unrentable. After a Florida hurricane, that can mean months.

Florida landlords face the same market forces as homeowners — roof-age underwriting, hurricane deductibles, wind mitigation credits — plus a few of their own: liability exposure that grows with each tenant, the flood question on every property (tenants' belongings are never your policy's problem, but your building is), and different treatment for long-term versus short-term rentals. A vacation rental on a booking platform is a different insurance product than an annual lease, and mixing them up is a common and expensive mistake.

Two practical moves we recommend to every landlord: require tenants to carry renters insurance (it protects them and reduces your claims), and consider an umbrella policy once you own more than one property. We shop the landlord market across our carriers and structure it around your portfolio.

Tools, Local Guides & Related Coverage

Free tools, local guides, and related coverage our landlord insurance clients use most.

Wind Mitigation Savings Estimator Estimate the discounts an inspection report can earn you. Hurricane Risk Score Score any Florida address's storm exposure in seconds. All 67 Florida Counties Find your county for local rates and guidance. Florida Home Insurance Wind, roof, and hurricane deductible coverage built for Florida. Umbrella Insurance Extra liability protection over your home and auto limits. Business Insurance Liability, property, workers comp, and business interruption.

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Tell us about your rental property and we'll shop multiple carriers for the right coverage at the right price.

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Landlord Insurance FAQs

As an independent agency, we are not tied to a single insurance carrier. We work with multiple trusted carriers to compare rates and coverage options, so we can find the best policy for your unique needs and budget.

Independent agencies like Anchor & Atlas represent multiple insurance carriers, not just one. That means we can shop your coverage across 30+ top-rated companies and recommend the policy that actually fits your situation, rather than steering you toward whatever a single carrier happens to sell. Our job is to work for you, not for an insurance company.

No — and it can leave claims unpaid. Once a property is tenant-occupied, you need landlord coverage (a DP-3 policy) built for rentals: the dwelling, your liability as an owner, and loss-of-rents coverage. Renting out a property on a homeowners policy is one of the most common — and most expensive — insurance mistakes we see.

Yes! Anchor & Atlas Insurance serves all 67 Florida counties. Whether you are in Palm Bay, Melbourne, Orlando, Miami, Tampa, or anywhere else in the state, we can help you find the right coverage.

We have access to more than 30 top-rated insurance carriers covering home, auto, flood, life, umbrella, business, and specialty lines. We compare rates and coverage across them to find the best combination of price and protection for your needs - often quoting multiple carriers side by side so you can see real options before deciding.

If a covered loss — fire, hurricane wind — makes your rental unlivable, loss-of-rents coverage replaces the rental income while repairs happen. After a major Florida storm, repairs can take months; this coverage is what keeps a rental property from becoming a monthly liability in the meantime.

If you need to file a claim, contact our office and we will walk you through the process. We can help you file directly with your carrier and advocate on your behalf to ensure a smooth claims experience.

Florida is one of the most complex insurance markets in the country. Hurricane risk, flood zones, sinkhole exposure, coastal construction rules, the state's no-fault auto laws, and rapidly changing carrier appetites all affect what you can buy and what it costs. Based in Palm Bay and serving all 67 counties, we live and work in this market every day - which means we know which carriers write what, where, and on what terms.

Yes, and put it in the lease. It protects your tenants' belongings (which your policy never covers), reduces disputes and claims against your policy, and their liability coverage can respond if they cause damage. It costs them very little and protects you both.

In most cases, we can provide a quote within one business day. Some complex policies may take a bit longer as we shop multiple carriers to find you the best rate. Fill out our online form or call us to get started.

We start by listening - understanding your home, vehicles, family, business, and what you're trying to protect. Then we explain your options in plain language, walk through what each policy covers (and what it doesn't), answer questions honestly, and make a recommendation built around your situation. No pressure, no jargon, no surprises at claim time.

A national carrier sells you their products. A call center reads from a script. We're a local Florida independent agency - which means we shop multiple carriers on your behalf, you talk to the same licensed people every time, and we stay involved through renewals, life changes, and claims. No call routing, no transfers, no rotating reps.

What Our Clients Say

Rated 5.0 out of 5 stars based on 7 Google reviews
5 out of 5 stars
"We recently relocated from out of state, and Kelly was extremely helpful in getting us set up with homeowners and car insurance. Her knowledge was invaluable, she had answers for all of our questions, and she found us excellent policies that fit our needs. Highly recommend."

Rebecca S.

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5 out of 5 stars
"Kelly was very helpful and resourceful in securing me a better rate for my policy. Highly recommend."

Nicholson S.

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5 out of 5 stars
"Kelly was absolutely amazing and so patient and kind while navigating the insurance needs for my mom. Highly recommend Anchor & Atlas!"

Josephine H.

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Protect Your Rental Investment

Our licensed agents will help you pick the right landlord policy for your Florida rental property.

Call (321) 454-4444