Landlord insurance in Florida
Protect your property with top-rated coverage that could save you money.
Get affordable landlord insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
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Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
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Customize your coverages, limits, and deductibles to get the protection you need.
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Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does landlord insurance cover in Florida?
Rest easy knowing your coverage protects what matters most.
Property coverage
for the dwelling structure, other structures, and any personal property used to service the rental that you leave onsite.
Fair rental value coverage
if a covered event makes your property temporarily unfit for occupation.
Personal liability coverage
if someone is injured on your property and you are held legally responsible.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
Common questions about Florida landlord insurance
Is landlord insurance required in Florida?
No, landlord insurance is not required in Florida. While it is in your best interest to have it, buying landlord insurance is not one of the Florida landlord responsibilities required by law.
What factors affect landlord insurance rates in Florida?
Landlord insurance premiums in Florida are based on the type of property you have and that property’s unique risk factors — such as the property’s size and location, the age and construction of your building, and the weather and crime risks in your city.
Why do I need landlord insurance in Florida?
If you own a rental property in Florida, landlord insurance protects your investment if storms, fires, or other covered perils damage your property. It can also cover you if someone is injured on your property.
What’s not covered by Florida landlord insurance?
Florida landlord insurance does not cover regular maintenance costs or items damaged by normal wear and tear. It also does not cover tenants’ belongings.
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