Coverage
Rental Property Insurance in Florida
For Northeast Florida owners renting a house or condo by the year, the season, or the week. We write dwelling policies with landlord liability and lost rent, and place short-term rentals with carriers that accept them.
Rental Terms Checkedagainst each carrier's eligibility rulesWhat’s Covered
What Landlord Insurance in Florida Covers
Rental Dwelling
A home you rent out goes on a dwelling form, because the standard HO-3 homeowners policy insures only the residence where you live. The dwelling form covers the structure while tenants or guests occupy it.
Loss of Rent
Replaces rent you lose when a covered loss forces tenants or booked guests out of the home during repairs. For a weekly rental, we match the limit to your booking history.
Landlord Liability
Injury claims from tenants, guests, and visitors. Florida law makes landlords keep the roof, structural components, and plumbing in good repair where no local code applies, and a neglected repair can become a liability claim.
Furnishings You Own
Furniture, appliances, linens, and kitchen gear you supply to long-term tenants or vacation guests. Your tenants’ own belongings fall outside your policy and need their own renters coverage.
Short-term Rentals
Citizens will not write multiperil coverage on a home rented over three times in a calendar year for stays shorter than 30 days, though it may offer wind-only coverage. We place those homes with carriers that accept them.
Other Structures
Detached garages, fences, sheds, and pool equipment buildings on the rental lot, insured under a limit separate from the house. Tell us about any guest cottage rented separately so the carrier sees it.
Flood for Rentals
The NFIP pays a rental home’s building claims at actual cash value, because replacement cost requires a principal residence. Private flood, quoted as a separate add-on, may settle a claim differently.
Umbrella Liability
Extra liability above the rental policy and your home and auto coverage. It matters more when guests turn over every week and each stay brings new people onto the property.
Who It’s For
Owners Whose Rental Needs Its Own Policy
Vacation Rental Hosts
Homes rented to guests for short stays need a state vacation rental license and a carrier willing to insure transient guests.
Year-lease Landlords
Florida makes you responsible for the roof, structure, and plumbing your tenants live under, and lost rent coverage carries you through repairs after a covered loss.
Second Homes Rented Part-time
Since July 1, 2024, Citizens applies its 20% rule to second homes and rentals at new business and renewal, the same as primary homes.
Condo Unit Landlords
A rented condo unit needs an owner policy written for rental use, and your association’s declaration may restrict how often or how long you rent.
Our Process
How We Quote a Rental Home
Describe How It Rents
Tell us the lease length, how many separate rentals happen in a year, and whether you advertise nightly or weekly stays. Carrier eligibility turns on those answers, so exact numbers keep an application from failing later.
We Match Eligible Carriers
We send the home only to A-rated carriers whose rules fit your rental pattern, and we check that a vacation rental license is in place when the home meets the state definition.
Compare and Bind Coverage
A licensed agent reviews liability, lost rent, and deductibles with you, then binds the policy and sends proof to your lender or property manager.
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Common Questions
Florida Rental Property Questions
A Florida rental home usually cannot go on a standard homeowners policy, because the HO-3 form covers only the residence where you live, so rented homes go on a dwelling form instead. Citizens follows the same split. It reserves its HO-3 and HO-8 for owner-occupied homes and says that in most cases a tenant-occupied home is not eligible for a homeowners policy.
A Florida house, condo, or co-op unit counts as a vacation rental when guests rent it over three times in one calendar year for stays shorter than 30 consecutive days, or when it is advertised as regularly rented that way. That definition, in s. 509.013(4)(a)1., F.S., took effect July 1, 2025. Older wording based on 30 days or one calendar month still appears on some state and carrier pages, so check the date on any guidance you read.
Yes, a Florida home rented often enough to meet the vacation rental definition needs a Vacation Rental license from the Division of Hotels and Restaurants at the Department of Business and Professional Regulation. Under s. 509.241(1), F.S., operating without that license is a second-degree misdemeanor. The department issues separate vacation rental licenses for condominium units and for dwellings, and we confirm the license during quoting.
No, Florida law bars cities and counties from banning vacation rentals or regulating how long or how often they rent, unless the local ordinance was adopted on or before June 1, 2011. That preemption is in s. 509.032(7)(b), F.S. Local registration, parking, and occupancy rules can still apply, and the legislature revisits this preemption nearly every session, so the answer can change from one year to the next.
Citizens covers a tenant-occupied Florida home on its dwelling form, which insures the dwelling, other structures, contents, and loss of rent for named perils. Under s. 627.351(6)(c)5., F.S., second homes and rentals have followed the same 20% rule as primary homes for new policies and renewals since July 1, 2024. A private offer of comparable coverage priced no more than 20% above the Citizens premium ends Citizens eligibility for the rental.
The NFIP pays building claims on a Florida rental at actual cash value, which subtracts depreciation, because replacement cost applies only to a single-family principal residence insured to at least 80% of its replacement cost. Contents coverage for furnishings you own needs its own limit, and NFIP contents claims always settle at actual cash value. We quote private flood alongside the NFIP so you can compare how each one settles a claim.
Get Started
Quote My Rental
Send the form with the address and how the home rents. A licensed agent replies within one business day with eligible carriers and any license questions.