Landlord Insurance in Florida: What Owners Need
Here is what landlord insurance in Florida covers. When you rent out your home, your homeowner policy usually no longer fits. Here is what landlord insurance covers in Florida and what to ask your agent.
Get My Free Rent Estimate Call (904) 478-7368
Homeowner vs. Landlord Policy
A homeowner policy is built for owners who live in the home. A landlord, or dwelling fire, policy covers the structure of a rental, liability, and often lost rent after a covered loss.
Coverage to Ask About
- Dwelling coverage for the structure
- Liability coverage in case someone is injured
- Loss of rent if a covered loss makes the home unlivable
- Wind and hurricane coverage, and your hurricane deductible
- Flood insurance, which is separate from standard policies
Require Renter’s Insurance
Tenant renter’s insurance covers the tenant’s belongings and liability, which adds another layer of protection.
Prices vary widely in Florida, so compare quotes through a licensed insurance agent.
Management Packages
Three plans built around how involved you want to be, your income goals, and your property’s needs.
Essential Package
10% of monthly rent
+ 75% of first month’s rent (leasing fee)
For owners who want trusted systems and basic support.
- Rental pricing analysis using CRM tools
- Preferred vendors (handymen, HVAC, plumbers)
- Full tenant screening: credit, income, background
- Online rent collection and owner portal
- Quarterly drive-by photo updates
- Monthly reporting and year-end tax documents
Professional Package
15% of monthly rent
+ 75% of first month’s rent (leasing fee)
For owners who want full leasing support and better oversight.
- Everything in Essential
- Listing on major rental platforms with professional photos
- Tenant showings scheduled and conducted
- Full tenant placement and lease signing
- Move-in and move-out coordination
- Monthly drive-by photo updates
- Maintenance fully coordinated by our team
Premium Package
20% of monthly rent
+ 75% of first month’s rent (leasing fee)
For out-of-state owners and investors who want full peace of mind.
- Everything in Professional
- Interior and exterior inspections twice a year with photo reports
- Eviction coordination (notices, filings, court)
- 24/7 emergency response
- Utility setup and tracking
- Dedicated Owner Success Manager
- Optional landscaping, pest control, and pool service
Own several rentals? Ask about reduced rates, as low as 8%, for multi-home investors. See full package details.
Why Homeowners Choose Rental Property Partners
- Veteran-owned and female-led local team that lives in the communities we serve
- Military-friendly: we work with service members renting out their homes after PCS orders
- Backed by an affiliated real estate brokerage and title company if you ever decide to sell
- Clear pricing with no surprise fees
Landlord Insurance in Florida FAQ
Is landlord insurance more expensive than homeowners insurance?
Often, because rentals carry different risks. Your agent can compare options.
Do I need flood insurance?
If your home is in a FEMA flood zone and you have a federally backed mortgage, it’s required. Many owners outside flood zones buy it too.
Have questions? Call us or see our landlord insurance in Florida options and pricing.
Talk to a Local Property Manager
Get your free rent estimate or call (904) 478-7368. We manage homes across Jacksonville, St. Johns, Clay, and Nassau counties, including Nocatee, St. Augustine, Orange Park, Jacksonville Beach, and Jacksonville.
Our Family of Companies
- Homes for sale in St. Augustine and Nocatee with Tanya Cosmini, Broker/Owner
- Realty ONE Group Elevate, a full-service real estate brokerage with offices in Jacksonville and St. Augustine
- Title Company of Florida, title insurance, escrow, and closings statewide
Affiliated business disclosure: Realty ONE Group Elevate is owned by Tanya Cosmini. Title Company of Florida is owned by her husband, Sam Gorniak, and Rental Property Partners is owned within the same family. Because of these family relationships, the owners may benefit when you use more than one of these companies. You are not required to use any of them and are free to choose other providers.
Rental Property Partners. Rental estimates are not guarantees of rent or occupancy. This page is general information, not legal or tax advice. Equal Housing Opportunity.