If you rent out a home or condo — year-round, seasonally or short-term — a standard homeowners policy usually won’t fit. A landlord (dwelling-fire) policy protects the building, your rental income and your liability as an owner.
Owners of rental homes, condos and duplexes.
Short-term and vacation rentals often need specialty coverage.
Loss of rents, umbrella, flood.
What landlord insurance covers
- DwellingCovers the structure you rent out after covered losses.
- Fair rental valueReplaces lost rent while the property is being repaired after a covered loss.
- Landlord liabilityProtects you if a tenant or guest is injured because of a problem with the property.
- Other structuresCovers detached garages, fences and sheds on the rental property.
Your tenants’ belongings aren’t covered by your policy — require renters insurance in your lease.
Landlord & Rental Property insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with landlord & rental property insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
Can I use my homeowners policy if I rent my home seasonally?
Usually not without the carrier’s approval. Renting your home changes the risk, and an unreported rental can lead to a denied claim. Tell us how you rent and we’ll match the right policy.
Does landlord insurance cover short-term rentals?
Some policies do and many don’t. Short-term rentals often need a specialty policy or endorsement.
Ready for your landlord & rental property quote?
Free, no-obligation, and compared across multiple carriers.