Landlord Insurance in Florida for Rental Homes and Investment Condos

Protect Your Rental Property Investment

Policies designed for non-owner-occupied homes.

A landlord policy—often called a Dwelling Fire or DP policy—covers the building you rent to others and includes landlord liability. If you own a house or condo in Vero Beach leased to tenants, you need different coverage than an owner-occupied home. Complete Trust Insurance structures policies for rentals across Indian River County, and coordinates related needs like short-term rental insurance, separate flood insurance, and higher limits via umbrella insurance when appropriate.

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Tenant-Related Protections

Know What’s Yours—and What Renters Must Cover.

Tenant belongings aren’t covered by your policy; require tenants to carry renters insurance. Your policy may respond to certain tenant-caused losses (subject to terms), but having clear lease requirements helps.

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Coverage Highlights

What a Landlord Policy Typically Includes.

  • Dwelling coverage for the structure against named or special perils (varies by form)
  • Landlord-owned contents, like appliances you provide
  • Liability coverage for injuries or damage tied to the premises
  • Loss of rental income if a covered loss makes the home uninhabitable during repairs


We’ll match coverage form and deductibles to your risk tolerance and lender requirements.

Short-Term vs. Long-Term Rentals

Different Occupancy, Different Coverage Approach.

Occasional hosting may fit a home-sharing endorsement; full-time vacation rentals generally need dedicated short-term rental insurance. We’ll determine the right route based on frequency, guest turnover, and platform rules.

Florida Considerations & Multi-Property Solutions

Coastal Wind, Storm Exposure, and Portfolio Planning.

From Barrier Island cottages to mainland duplexes, Florida rentals face windstorm and hurricane risk. Flood is excluded—purchase flood insurance separately if needed. Own multiple rentals? Ask about portfolio strategies and unified renewal dates for easier management.

Frequently Asked Questions

Common Questions From Florida Landlords.

  • How is landlord insurance different from homeowners insurance?

    Homeowners policies are for owner-occupied residences. Landlord policies are built for tenant-occupied risk, with rental income and landlord liability.

  • Does landlord insurance cover tenant property?

    No. Tenants need their own renters policy. Your policy covers the building and your liability.

  • Is short-term rental activity covered?

    Not usually under a standard landlord form. Home-sharing endorsements or dedicated short-term policies are often required.

  • Will the policy cover lost rent after a fire?

    Yes, when loss of rental income is included and the loss is from a covered peril.

  • Do I need flood insurance for a rental?

    If in a high-risk zone—or near water—it’s strongly recommended. Lenders may require it.

  • Should landlords consider an umbrella policy?

    Yes—umbrellas can provide extra liability limits across multiple properties when underlying requirements are met.