What type of insurance do I need for a rental property in Florida? Renters or homeowners?
Renters insurance protects your personal property and not the real estate. If you own the real estate, then you need homeowners insurance which protects it all.
by Richard_CA - 6 hours ago
You need a Landlord Protector policy on a rental property. You will want to require anyone who rents from you to carry renters insurance to protect your interests as the landlord and name you as the "additional insured" on the policy.
by Country Girl - 6 hours ago
Are you the owner of the property? If yes, then you need a homeowners policy. The policy should be written as non owner occupied rented to others. If you are the renter, then you should purchase a renters policy.
by thx1138too - 6 hours ago
Neither. You'll need a Rental Dwelling Property Policy (assuming you own it and rent it out). Be prepared for $30-70 per unit per month to cover it. Call an agent or Broker in the area and them to quote up several options for your property.
by saberhilt - 6 hours ago
renters, if you're the tenant and even that is expensive *** if you're the owner, please consult your agent. Homeowners maybe applies if it is a 1-4 family property, but commercial insurance is required for larger properties. and if you're new to owning here, you'll be shocked at the costs.
by Spock (rhp) - 6 hours ago
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