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Landlord insurance in Florida
Florida is a fantastic place to be a landlord because Florida is known as a landlord-friendly state with one of the highest populations of renters in the nation. An estimated 2.64 million of the 19 million people residing in Florida are renters. That consists of 13.3% of the state’s population.
Make sure that you have landlord insurance because Florida is amongst the top states for occurring natural disasters. Since 1950 Florida has had 65 significant disasters that have been declared.
Landlord insurance (also known as rental insurance) is a policy for people who rent their homes to others. Landlord insurance is not required for a landlord, but insurance can bring many benefits:
Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.
Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.
Windstorm, hail, & lightning
Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.
Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.
Riot and civil commotion
When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.
Vandalism & theft
Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.
Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.
Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.
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Steadily offers affordable landlord insurance across all 50 states. Our team of knowledgeable sales agents across the country are experts at finding the right coverage for your needs. From one local property to a portfolio across various states, we have you covered.
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