Florida Landlord
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Landlord Insurance
Landlord insurance (also called a DP3 dwelling fire policy) covers your rental home's structure, your liability as the property owner, and loss of rental income if a covered loss makes the property uninhabitable. It is not the same as homeowners insurance. Based on our Northeast Florida landlord book, most Florida landlords pay between $1,540 and $2,676 per year for a single-family rental.
Most Florida landlords don't realize they have the wrong policy until a claim gets denied.
A homeowners policy stays in place after the home is rented out. Then a tenant causes damage or someone gets hurt, and the insurance company denies the claim because the home is no longer owner-occupied. At that point, the mistake is expensive.
This page is for you if:
- You rent out a home in Florida and are not sure your policy actually covers you
- You just converted your home to a rental and need to switch from a homeowners policy
- You have not reviewed your landlord insurance in over 12 months
- You own rental property in an LLC or trust and want to confirm your coverage matches your title
Augustyniak Insurance Group is an independent agency that compares landlord insurance from Tower Hill, American Integrity, Southern Oak, Cabrillo, and others across our over 26 Florida landlord insurance companies. We find the right coverage to protect your investment while keeping price in mind.
Ready to see your exact price now? Get your landlord insurance quote or call (904) 268-3106. Takes just a few minutes.
Last updated:
How Much Does Landlord Insurance Cost in Florida?
Based on Augustyniak Insurance Group's active landlord book across Northeast Florida, updated April 2026:
Properties with older roofs, prior claims, or high coverage amounts will cost more. Condo landlord policies typically run lower. The only way to know your number is to get a quote for your specific property.
The range is wide because Florida's property insurance market prices each home individually. Two rental homes in the same area can have different premiums based on roof age, construction type, location, and how much the home is insured for.
| Property Type | Typical Annual Range | Key Rate Factors |
|---|---|---|
| Single-family rental | $1,540 to $2,676 | Roof age, construction, location |
| Condo rented to tenants | $600 to $1,400 | Building coverage through HOA; unit coverage only |
| Duplex / small multi-family | $1,800 to $3,200 | Number of units, total insured value |
| Short-term rental (Airbnb/VRBO) | $1,400 to $2,800 | Specialty coverage; higher liability exposure |
Single-family range from Augustyniak Insurance Group's active NE Florida landlord book, April 2026. Condo, duplex, and short-term rental ranges are market estimates. Individual rates vary by property, insurance company, and coverage selection.
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Takes 2 to 3 minutes · No obligation · 80+ insurance companies comparedWhat Drives Your Landlord Insurance Rate in Florida?
- Roof age and type.
Florida insurance companies weight roof condition heavily. A 2019 metal roof and a 2007 asphalt shingle roof will price very differently, even on the same property. - Year built and construction type.
Older homes cost more to insure because of building code upgrades required after a loss. Block construction generally rates better than frame in coastal areas. - Location and wind exposure.
A rental in Riverside prices differently than one in Ponte Vedra Beach. Distance from the coast and wind zone affect the rate. - Replacement cost vs. actual cash value.
DP3 policies pay to rebuild at today's prices. DP1 policies factor in depreciation, so you get less. - How much the home is insured for and your deductible.
Higher coverage amounts and lower deductibles increase your premium. Florida landlord policies also have a separate hurricane deductible, typically 2% of the insured value. On a $300,000 rental home, that is $6,000 out of pocket before insurance pays. - Claims history.
Prior claims on the property or in your personal history affect pricing. Some insurance companies restrict eligibility after certain claims.
What Does a Florida Landlord Insurance Policy Cover?
A standard DP3 landlord policy in Florida covers five areas:
Dwelling Structure
Covers fire, windstorm, hail, hurricane, lightning, vandalism, and more on the dwelling structure. Pays replacement cost to rebuild at current prices.
Loss of Rental Income
Reimburses lost rent while repairs are made after a covered loss. Protects your cash flow when the property is uninhabitable. Typically 10% to 20% of how much the home is insured for. Does not cover non-payment by tenants.
Liability Protection
Provides coverage if a tenant or guest is injured on the property and sues. Can pay legal defense costs and settlements up to your policy limit. Standard limits start at $100,000. Your agent can walk through what makes sense for your situation.
Landlord Personal Property
Covers appliances, lawn equipment, or maintenance tools you leave on site. Tenant belongings are not covered under a landlord policy. Tenants need their own renters insurance.
Detached Structures
Garages, sheds, fences, and other structures not attached to the main building. Typically covered at 10% of how much the home is insured for.
A Mandarin homeowner relocates for work and rents out their home instead of selling. They do not tell their insurance agent or notify their insurance company that occupancy has changed. They do not purchase a landlord policy and figure their home insurance policy will still cover it. The new tenant caused a kitchen fire with significant damage. No coverage -- because they didn't buy the right policy.
The fix is simple: a properly issued DP3 in place before the first tenant moves in.
What Landlord Insurance Does NOT Cover
- Flooding.
Flood damage usually requires a separate flood insurance policy. This is the landlord's responsibility, not the tenant's. - Intentional tenant damage.
Intentional damage by tenants is generally excluded. Ask your agent whether any options exist for your specific policy. - Normal wear and tear or maintenance issues.
- Tenant belongings.
Your landlord policy does not cover your tenants' personal property. Tenants need their own renters insurance for that. - Loss of rent because a tenant stops paying.
Rent loss coverage only kicks in after a covered event, like a fire or hurricane, makes the property uninhabitable. It is not rent guarantee insurance. - Theft.
DP3 policies exclude theft by default. Some insurance companies allow a limited add-on for theft coverage. - Eviction costs.
Landlord insurance does not cover the cost of evicting a tenant.
Get the right landlord policy, not just a quote.
We will review your current coverage, confirm it is written correctly for a rental, and shop 80+ insurance companies for the best fit.
Takes 2 to 3 minutes · No obligation · No pressure, everWhat Is the Difference Between a DP1 and DP3 Landlord Policy?
Most landlords in Florida should have a DP3 policy. Here is the difference, and when a DP1 makes sense instead.
DP1 Policy
Named Peril, Actual Cash Value
- Starts with basic coverage for fire and lightning only.
- Extended coverage add-on can expand protection to include windstorm, hail, explosion, riot, aircraft, vehicles, and smoke damage. This can be added on to the DP1 policy.
- Then, vandalism and malicious mischief (VMM) add-on can be purchased on top of that for an additional cost.
- Even with both add-ons, a DP1 normally pays actual cash value for the building. Depreciation is factored in, so you get less than it costs to rebuild.
- Does not cover water damage of any kind. Pipe leaks, plumbing failures, and accidental discharge are all excluded.
- Loss of rental income is not included in a basic DP1
- Generally cheaper than DP3
Best for: Vacant properties and homes under renovation between tenants, when a standard DP3 is not available.
DP3 Policy
Open Peril, Replacement Cost
- Covers the dwelling structure except what is specifically excluded. Much broader than a DP1.
- Pays replacement cost. Rebuilds at today's construction prices, no depreciation.
- Loss of rental income included typically 10% to 20% of the amount the home is insured for.
- Liability coverage included for injuries on the property
- Theft is excluded by default but some insurance companies allow a limited add-on.
Best for: Actively rented homes and investment properties where you want better protection.
Our agency suggests DP3 for actively rented properties for most landlords. We write DP1 for vacant homes, homes under renovation, or properties between tenants when a DP3 is not available.
Not sure which type your current policy is? Check your dec page. It will say "DP-1," "DP-3," or "Dwelling Fire" with the form number listed.
Who Needs Landlord Insurance in Florida?
If you own property that generates rental income, you need a landlord policy. Not a homeowners policy. Here is who we work with most often:
- You own a home you rent to long-term tenants.
The moment someone pays you rent, homeowners policies (H03) can stop covering the property or liability. This is the most common coverage gap we see. - You moved out of your home and kept it as a rental.
Your old HO-3 does not follow you. The property needs its own DP3 policy once you leave and start collecting rent. - You are building a rental portfolio (1 to 10+ properties).
Each property needs its own policy, matched to its title structure, occupancy, and location. Whether you self-manage or use a property management company, we review the full portfolio. - You own a condo you rent out.
Your HOA's master policy covers the building. You still need a landlord condo policy for the unit interior, lost rent, and your personal liability. Learn more about condo insurance. - You list your property on Airbnb or VRBO.
Standard DP3 policies may need endorsements or add ons to cover short-term vacation rental activity. We write specialty coverage for short term rentals. - You have a property sitting empty between tenants.
A vacant property may need a DP1 or a vacancy add-on. Call us before the property sits empty for 30 or more days. See our vacant home insurance guide. - You are an out-of-state owner with a Florida rental.
We work with investors across the country who own rental property in Jacksonville and Northeast Florida. You do not need to be local. - You inherited a property and are renting it.
Inherited properties are often uninsured or insured under the wrong policy type. We can review what is in place and correct it.
Florida law does not require landlord insurance. But if you have a mortgage on the rental property, your lender will almost certainly require it. And if you own it free and clear without coverage, a single fire or liability lawsuit can wipe out years of rental income.
See yourself in that list?
Tell us about your property. We compare your options across multiple insurance companies and report back with your best fit.
No obligation · 2 to 3 minutes · Licensed in Florida and GeorgiaDoes It Matter If Your Rental Property Is in an LLC or Your Personal Name?
Yes. This is one of the most important coverage questions for real estate investors. It is also one of the most commonly overlooked.
Your insurance policy should match whoever owns the property. If the deed says your LLC owns it, the policy must list the LLC's name. If the property is held in a trust, the policy must name the trust.
If the deed is in your personal name, the policy goes in your name. A mismatch between the title and the policy can result in a denied claim.
If Your Rental Is in Your Personal Name
A standard personal lines DP3 policy covers the property. Liability is included on the DP3 itself.
For landlords, a personal umbrella policy can add an extra $1 million or more in liability coverage on top of the DP3. In Florida, umbrella insurance companies require your DP3 to carry at least $300,000 in liability before they will add rental properties to the umbrella.
If Your Rental Is in an LLC
The property still needs a landlord DP3 policy, written in the name of the LLC. For umbrella coverage, a personal umbrella policy typically will not extend to properties owned by an LLC. You would need either a commercial umbrella or a personal umbrella with a special add-on that covers the LLC.
Safeco is one of the few insurance companies in Florida that allows LLC-owned rental properties to be added to a personal umbrella policy. This is not common. Talk to your agent to confirm whether this option works for your properties.
Our team can help review both the title structure and the coverage structure when writing landlord policies. If something does not match, we will discuss it with you.
Do Landlords Need Umbrella Insurance?
Probably. The liability on a DP3 policy typically runs $100,000 to $300,000. That may not be enough if a tenant is seriously injured and sues.
A tenant trips on a broken step, suffers a spinal injury, and sues for $800,000. Your DP3 pays its $300,000 limit. Everything above that comes out of your pocket.
Personal Umbrella Policy Cost
$350-$500/yr
Gap Without Umbrella
$500,000
A personal umbrella policy adds $1 million or more in liability coverage across your home, auto, and rental properties. It is one of the most affordable ways to protect your investment as a landlord.
To qualify your rental properties under a personal umbrella in Florida:
- Your DP3 must carry at least $300,000 in liability. This is the threshold umbrella insurance companies require in Florida.
- The property must be titled in your personal name (not an LLC, with limited exceptions noted above)
- Most insurance companies require you to carry both your auto and homeowners through them as well
If your properties are in LLCs, ask about a commercial umbrella. Our team can walk through both options. Learn more about personal umbrella insurance in Florida.
Does Landlord Insurance Cover Short-Term Rentals in Florida?
Standard DP3 landlord policies are written for long-term rentals, meaning properties with tenants on a lease. Short-term vacation rental properties listed on Airbnb and VRBO are a different risk profile. While some companies allow short-term rentals, many standard DP3 insurance companies will not cover them or require a minimum of 2 or 3 night rentals to get insurance. We can help advise you of what markets are available.
Airbnb provides Host Protection and AirCover, but these have gaps. They do not replace a standalone insurance policy. VRBO's coverage is similarly limited.
We write specialty coverage for short-term rental properties. Coverage typically includes dwelling protection at replacement cost, loss of rental income, and liability.
If you are operating a short-term rental or considering it, call us before you list. The right coverage needs to be in place before the first guest checks in.
How Do You Get a Landlord Insurance Quote in Jacksonville?
You Tell Us
Share your property address, how it is titled (personal name, LLC, or trust), current coverage if any, and what kind of rental it is.
We Compare
We run your property across our landlord markets. Coverage, premiums, deductibles, and company ratings, side by side.
You Choose
We present your best options with a clear recommendation. No pressure. You pick what fits.
Most landlord insurance reviews take one conversation. If you have multiple properties, we can review all of them at once.
Ready to protect your rental investment?
Augustyniak Insurance Group has been protecting Florida landlords and investors since 2005. With 80+ insurance companies, 2,250+ five-star reviews, and 12 consecutive years as a Three Best Rated agency, we find your best option.
Monday through Friday, 8:30 AM to 5:00 PMWhere Do You Write Landlord Insurance in Florida?
We write landlord insurance and rental property insurance across Jacksonville, all of Northeast Florida, and statewide.
| Jacksonville & Duval | St. Johns & Clay | Beaches & Beyond |
|---|---|---|
| Mandarin | Bartram / Julington Creek | Jacksonville Beach |
| San Marco | St. Augustine | Atlantic Beach |
| Riverside / Avondale | Orange Park | Neptune Beach |
| Southside | Fleming Island | Ponte Vedra |
| Arlington | Middleburg | Amelia Island / Fernandina |
| Ortega | St. Johns County | Florida Statewide |
Jacksonville's rental market has grown significantly, driven by population growth in Duval, St. Johns, and Clay counties.
The mix of older neighborhoods like Riverside and Arlington and newer communities in St. Johns County means landlord policies require local underwriting knowledge. Different insurance companies perform differently depending on the ZIP code, flood zone, and when the home was built.
Frequently Asked Questions About Landlord Insurance in Florida
Is landlord insurance required in Florida?
Florida law does not require landlord insurance. But if you have a mortgage on the rental property, your lender will almost certainly require it. And without it, you have no protection if a fire destroys the home, a tenant is injured, or you lose months of rental income after a covered loss.
Can I use my homeowners insurance for a rental property?
No. A standard HO-3 homeowners policy does not cover properties rented to tenants. The moment you collect rent, your home is no longer owner-occupied and most homeowners insurance companies can deny a claim. You need a DP3 landlord policy instead.
What is a DP3 policy?
A DP3 is the most comprehensive form of landlord insurance available in Florida. It covers everything on the dwelling structure except what is specifically excluded (open peril), pays replacement cost, and includes loss of rental income and liability. It is the policy type we recommend for most actively rented properties.
Does landlord insurance cover tenant damage?
It depends on the insurance company, the cause, and how the damage happened. Sudden accidental damage may be covered. Gradual or maintenance-related damage is typically not. Intentional damage by tenants is generally excluded. Ask your agent what your specific policy includes.
Does landlord insurance cover loss of rent if a tenant stops paying?
No. Rent loss coverage on a DP3 policy only kicks in after a covered event like a fire or hurricane makes the property uninhabitable. If a tenant stops paying or breaks the lease early, that is not a covered event.
Does landlord insurance cover flood damage?
No. Flood damage is excluded from all landlord and homeowners policies in Florida. If your rental property is in a flood zone, or near the St. Johns River or a drainage area, you need a separate flood insurance policy. This is the landlord's responsibility, not the tenant's.
What happens if my rental sits empty between tenants?
Most DP3 policies limit or exclude coverage if the home is unoccupied for 30 to 60 consecutive days. If your rental is between tenants, call your agent immediately. Options include a vacancy add-on for short gaps or a DP1 vacant property policy for longer periods. Read more about vacant property insurance for investors.
Can I insure a rental condo in Florida?
Yes. If you own a condo and rent it to tenants, you need a landlord condo policy. Your HOA's master policy covers the building exterior and common areas. Your individual policy covers the unit interior, your liability, and your lost rent. Learn more about condo insurance.
Can I insure a rental property that is in an LLC?
Yes, but the policy must be written in the name of the LLC that owns the property. Most personal umbrella policies in Florida will not cover properties owned by an LLC. A commercial umbrella is typically required. Safeco is one of the few insurance companies that allows LLC-owned rentals on a personal umbrella through a special add-on. Talk to your agent about your specific situation.
Should my tenants carry renters insurance?
Yes. Your DP3 policy does not cover your tenants' personal belongings. Requiring tenants to carry renters insurance protects them and reduces the chance they look to you to cover their losses. Many landlords now include proof of renters insurance as a lease requirement.
How much does landlord insurance cost in Florida?
Based on our active landlord book in Northeast Florida, most landlords pay between $1,540 and $2,676 per year for a DP3 policy on a single-family rental home. The typical premium is around $1,986 per year. Cost depends on roof age, construction type, location, how much the home is insured for, and claims history.
Reviewed by Susan Augustyniak, CIC
Vice President, Augustyniak Insurance Group. Certified Insurance Counselor with 25+ years in the industry. Susan has led the Augustyniak Insurance team in Jacksonville since 2005, helping Florida landlords and real estate investors find the right rental property coverage.
Page last reviewed: April 2026
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