Choice One Insurance

Rental Property Insurance in Florida

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Choice One Insurance | Insurance in Florida

Owning a rental property in Florida can be both a rewarding investment and a significant responsibility. From hurricanes and flooding to tenant-related risks, landlords face a unique set of challenges. That’s where Choice One Insurance steps in; helping Florida property owners find rental property insurance policies tailored to their needs.

With decades of experience serving communities across Florida, our team is here to guide you through your insurance options, answer your questions, and help you feel confident in your coverage decisions.

Rental Property Insurance Florida

What Is Rental Property Insurance?

Rental property insurance, also known as landlord insurance, generally helps property owners protect the structure of their rental home or building. While specific coverages vary by policy and provider, this type of insurance often addresses risks related to tenant occupancy, weather events, and liability concerns.

In Florida, rental property insurance may also factor in region-specific risks like hurricanes or windstorm damage. Our agents can walk you through coverage options designed to align with your property type, rental frequency, and location.

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Why Do Florida Landlords Need Rental Property Insurance?

Florida landlords face several exposures that make specialized coverage essential. From coastal storms to property liability, rental property insurance can help protect your investment and offer peace of mind.

Consider this: if a tenant slips and falls on your property or a tropical storm causes roof damage, your personal homeowners policy likely won’t cover those losses. Rental property insurance is designed to help address such scenarios. With Choice One Insurance, you’ll gain access to Florida-based agents who understand the nuances of rental property ownership and can help you explore policies that suit your unique situation.

  • Rental property insurance in Florida can often be customized for a wide range of property types. Whether you’re renting out a single-family home, duplex, condo, or small apartment building, there may be coverage options to consider.

    Our agency works with both new and experienced landlords, helping them find protection for:

    • Long-term rental homes
    • Vacation or short-term rental properties
    • Multi-unit buildings
    • Condos used as investment properties

     

    If you’re unsure whether your property qualifies, our team can review your specific scenario and guide you toward a suitable insurance solution.

  • Coverage will vary by insurer and policy, but many Florida rental property insurance plans may include options such as:

    • Dwelling Coverage: This typically helps cover damage to the structure of the rental property caused by events such as storms, fire, or vandalism.
    • Liability Protection: If someone is injured on your rental property and you are found responsible, liability coverage may assist with legal and medical costs.
    • Loss of Rental Income: If your property becomes uninhabitable due to a covered event, some policies may help compensate for the lost rental income during repairs.
    • Personal Property Coverage: This may cover items you own and keep at the property for tenant use, such as appliances or lawn equipment.

     

    Our agents will help clarify which options may make sense based on your property’s value, location, and rental activity.

  • Florida’s weather is a major factor when it comes to insuring rental properties. Hurricanes, tropical storms, and heavy rainfall are common — especially during the summer and fall months. Depending on the location of your property, insurers may have specific requirements or offer separate wind and flood coverage options.

    At Choice One Insurance, we’re familiar with the regional risks and regulations that affect Florida landlords. We can help you explore policies that offer relevant protections, while keeping affordability and flexibility in mind.

  • Premiums for rental property insurance in Florida can vary based on several elements, such as:

    • Property location and proximity to the coast
    • Age and construction type of the building
    • Claims history and maintenance condition
    • Type of tenants (short-term vs. long-term)
    • Desired coverage limits and deductibles

     

    Our team works with a network of trusted insurance carriers, allowing us to compare a variety of quotes and help you find the right balance between coverage and cost.

  • Yes, bundling may be an option. If you have multiple properties, a primary residence (homeowners insurance), or vehicles (car insurance or commercial auto insurance) insured with the same provider, you could explore multi-policy discounts or other package deals.

    At Choice One Insurance, we offer personalized reviews to identify bundling opportunities. This not only simplifies your insurance portfolio but may also help reduce overall premiums.

  • Based right here in Florida, Choice One Insurance is a trusted partner to landlords, property investors, and business owners statewide. Our approach is built around three key principles:

    • Local Expertise: We understand the unique challenges Florida landlords face and offer guidance tailored to the state’s real estate market and risk profile.
    • Personalized Service: Whether you’re insuring your first rental or managing multiple properties, we take the time to understand your goals and help you make informed decisions.
    • Carrier Access: We work with a wide range of regional and national insurers, allowing us to provide options that align with your needs and budget.

     

    Our agents are always available to answer questions, help with claims, or review your existing coverage. Think of us as your long-term partner in protecting what matters.

Rental Property Insurance Florida

How Do You Get Started?

Getting started is simple. Contact Choice One Insurance today for a free, no-obligation consultation. We’ll review your property details, explain your options, and help you find rental property insurance that fits your situation.

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18400 SW 97th Ave, Ste 100
Cutler Bay, FL 33157

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