Choice One Insurance

Landlord Insurance in Florida

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Choice One Insurance | Insurance in Florida

Being a landlord in Florida comes with unique opportunities—and unique risks. Whether you own a single rental property or manage a portfolio of homes, you need coverage that protects both your property and your financial future. At Choice One, we make landlord insurance in Florida clear, flexible, and tailored to your needs. From hurricane damage to tenant liability claims, we help you safeguard your investment so you can focus on growing it.

Landlord Insurance Florida

What Is Landlord Insurance and Why Do You Need It?

Landlord insurance in Florida is designed specifically for property owners who rent out their homes, condos, or apartments. While a standard homeowners policy protects an owner-occupied residence, it typically won’t cover the risks of rental properties. That’s where landlord insurance steps in.

A Florida landlord insurance policy may include protection for the structure of the building, detached features like fences or sheds, and even appliances provided for tenant use. More importantly, it may also cover loss of rental income if your property becomes uninhabitable due to a covered event. Given Florida’s exposure to hurricanes, tropical storms, and flooding, having the right insurance is not just recommended—it’s essential for peace of mind.

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How Does Landlord Liability Insurance Protect You?

Owning rental property isn’t just about maintaining buildings—it’s about managing risk. Landlord liability insurance in Florida helps shield you from costly legal and medical claims if a tenant, visitor, or even a contractor is injured on your property.

For example, if a tenant trips over a loose step and suffers an injury, you could be held responsible. Liability coverage may step in to pay legal fees, settlements, or judgments, helping you avoid financial strain. It may also provide protection for claims of property damage caused by your negligence. Considering Florida’s litigious environment, liability coverage is often one of the most valuable parts of a landlord policy.

  • A Florida landlord insurance policy is flexible and can be customized depending on the type of property and your goals as an owner. While every policy is different, coverage may include:

    • Property Protection – Covers the physical structure of the rental home or building against perils like fire, windstorm, or vandalism.
    • Other Structures – Protects fences, sheds, or detached garages.
    • Personal Property – Provides coverage for items you own and supply to tenants, such as appliances, but not for tenant belongings.
    • Loss of Rent – Helps replace rental income if the unit becomes unlivable due to a covered claim.
    • Liability Coverage – Shields you from tenant or guest claims for injury or damage.

     

    Choice One understands that no two landlords are alike, so we help you choose the level of coverage that matches your situation without paying for extras you don’t need.

  • Florida’s real estate market is unique, and so are the risks that landlords face here. While landlord insurance anywhere in the U.S. protects against common risks like fire or theft, Florida brings additional considerations. Hurricanes, tropical storms, and flooding events occur more often here than in many other states, making coverage for wind and water damage especially important.

    Additionally, Florida has a large population of seasonal renters and short-term vacation tenants. This increases the potential for property wear and tear, liability claims, and even disputes over damages. A Florida landlord insurance policy is built with these realities in mind, ensuring your investment is shielded against risks that are far more than theoretical.

  • Legally, Florida does not require landlords to carry landlord insurance. However, if you have a mortgage on the rental property, your lender will almost certainly require adequate coverage as a condition of the loan. Beyond that, insurance is simply a smart investment.

    Consider this: just one storm can cause thousands of dollars in damage. One liability lawsuit can threaten years of financial planning. Without coverage, these costs come directly out of your pocket. With Choice One’s Florida landlord insurance, you gain a layer of protection that allows you to continue renting with confidence—even when the unexpected happens.

  • The cost of landlord insurance in Florida depends on factors such as property location, size, building materials, claims history, and the amount of coverage you choose. Waterfront properties or homes in high-risk flood zones may see higher premiums, while properties inland with newer construction may cost less to insure.

    On average, Florida landlords can expect insurance to cost more than a standard homeowners policy, but that reflects the additional protection it provides. At Choice One, we specialize in helping landlords find affordable coverage without cutting corners. We work with multiple carriers to ensure you get the right balance between protection and price.

Landlord Insurance Florida

How Can Choice One Help Landlords Get the Right Coverage?

Navigating insurance options on your own can be confusing, especially with Florida’s unique risks. At Choice One, we act as your guide. Our experienced team takes the time to understand your property, your tenants, and your long-term goals. We then recommend policies that may include the coverage you need—without unnecessary add-ons.

We also offer ongoing support. If your property portfolio grows, if you change from long-term to short-term rentals, or if new risks emerge, we’re here to adjust your coverage accordingly. With Choice One, you don’t just buy a policy—you gain a partner invested in your success as a Florida landlord.

Ready to safeguard your Florida rental property? Contact Choice One today for a personalized landlord insurance quote.

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

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