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Landlord/Rental Property Insurance Fort Lauderdale

Your tenants call you when they have questions or need help. We provide the same support for you. We’re here to guide you through the nuances of Florida Landlord/Rental Property Insurance choices. We compare coverage and rates offered by over 50 A-rated carriers to help you make coverage decisions that maximize savings.

Who needs Landlord/Rental Property Insurance?

If you are a property owner renting one or more residential homes, condos or apartments, then Landlord insurance is what you need to protect your investment if your rental property is damaged from a break-in, fire, or severe weather incident.

Additionally, Landlord/Rental Property Insurance coverage will provide compensation if one or more of your units become uninhabitable because of circumstances out of your control.

What’s the difference between landlord insurance and homeowners insurance?

The difference between these insurance options is determined by how the property is used and the kind of protection needed. An owner-occupied residence will need homeowners insurance to protect the home, the owner's personal belongings, and liability. A person who owns a house, but rents it out to someone else would need landlord insurance. Landlord insurance is also referred to as a dwelling fire policy. Both types of insurance protect owner investment.

Other differences are in things like dwelling coverages (typically covered in both, but the types of perils vary) and separate structure policies (generally automatic for homeowners insurance, but an endorsement for landlord insurance). Those are some of the details our landlord insurance specialists will bring to your attention.

Landlord/Rental Property Insurance policies are often slightly more expensive than a homeowners policy because a renter is living in residence, not the owner.

Landlord/renter insurance protection is varied and wide-reaching, so our landlord insurance specialists will review standard coverage and available options to find the perfect fit that will protect your unique rental property. Following are some of the optional coverages our specialists will discuss with you:

  • Unattached Structures. The landlord insurance policy protects detached garages and sheds against loss up to the policy limit.
  • Personal Property Coverage. This option helps protect the homeowner's property against damage caused by named perils.
  • Fire Department Service Charge Coverage. Depending on the community, a homeowner may be billed if the fire department needs to come to the home.
  • Reasonable Repair Coverage. To guard against additional damage, the homeowner will need to make immediate repairs. For instance, you may need to cover your roof if a windstorm blows part of it away.
  • Vandalism and Malicious Mischief.
  • Burglary coverage. This coverage protects the home and the owner's personal belongings.
  • Personal Liability Coverage. This optional coverage protects the homeowner if they are held liable for accidents because of the owner's negligence.
  • Premises Liability for Rental Homes. This coverage protects the owner if they are held liable for accidents that happen to other people on the insured property.

Ask about our:

  • Quarterly and semi-annual and payment plans
  • Premium discounts for secured community, senior/retiree or companion policy
  • Coverage for dwellings under construction

We recommend that landlords require renters to purchase renters insurance.

Let the landlord insurance experts at Patrick Brady Insurance Services help you choose coverage that will fit your unique needs. A well-chosen policy will protect your assets, whether business, personal, or both. Should an unforeseen peril impact your life we will be with you to help you understand and navigate the claims process. Call us now at 866.764.1944.

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We shop rates so you don’t have to!

Brady Insurance Group, LLC. represents over 50 A-rated insurance carriers to provide insurance in Fort Lauderdale, Lauderdale-By-The-Sea, Pompano Beach, Oakland Park, Boca Raton, Deerfield Beach, Hollywood, Coral Springs, Plantation, Lighthouse Point, Parkland and all of Florida.