Landlord Insurance2025-04-03T06:14:47-04:00

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Landlord Insurance Quotes

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Save up to 37% with Fearnow Insurance

If you’re a landlord, meaning you rent property you own, you most likely need landlord insurance, which includes property and liability coverages. Our agents at Fearnow Insurance, serving Florida, can help you find the right landlord insurance for your needs.

Landlord Insurance

Landlord insurance is a type of insurance property that helps protect landlords against certain financial losses. It typically includes liability and property coverages.

Landlord insurance includes two primary types of coverage that protect the physical structures on your property and help pay for certain expenses if someone gets hurt on your property.

What Our Customers Say

Great experience. Joe has been working hard to find me great coverage at a good price after my original policy kept increasing. He was able to do that, found me better coverage at a much better rate. I appreciate him working so hard! Highly recommend.
Kenny Collins
19:00 03 Jul 25
Is it even possible to submit a 5 million star review of sales agent, Mr. Joseph Boyle with Fearnow Insurance Inc ? Mr. Boyle is a highly skilled professional and even more remarkable has exceptional interpersonal qualities: very congenial and displays highly caring empathy.In my own case, I recently received a renewal policy correspondence from my former insurance provider indicating that I would be paying over three times as much for car insurance because I purchased a new all electric vehicle. After an in office consultation with Mr. Boyle, he was able to search for a bundled alternative that ended up saving me a considerably large sum of money.If you are considering changes in your insurance coverages, please do not hesitate to contact Mr. Joseph Boyle with Fearnow Insurance Inc. You will be very happy with the results.
William Rind
17:44 03 Jul 25
Kayla Peel worked diligently on my issue. She has gone above and beyond with my claim making sure I was always in the know as to what the next steps were on getting my insurance paperwork corrected. Kayla was super pleasant to engage with whether it be by phone, text or email. She was kind, polite and very understanding. She definitely is very detailed oriented and seems to be a great asset to Fernow insurance. She made sure I was well taken care of. If I could give more than 5 stars I would have given her 100 more ⭐️.
Joanne Amaro
12:24 27 Jun 25
Joseph Boyle is very personable and caring. He worked hard to find the right homeowners insurance policy for me taking price and coverage into consideration. I am confident I have found a great insurance agent that will continue to assist me year after year. If you have ever considered shopping your current policy, I would highly recommend giving Joe a call!!!
Lizabeth Pierce
00:47 29 May 25
Joe did an excellent job helping select the right policy for me quick and easy process thanks joe
Creed Fury
19:53 28 May 25
Thank you Matthew Wink for your awesome service with my homeowners insurance every year a true blessing to have with great company thanks again.
Jermaine Miller
19:31 28 May 25
BIG THANKS to Matt Wink for the support on my new truck. He's always been very helpful and pleasant to work with.
Lenny Campbell
16:07 28 May 25
I just wanted to thank Madrienne James at Fearnow for her outstanding service. She helped us save thousands on our insurance and I cannot thank her enough for her efficiency and hard work. I would recommend Fearnow to everyone!
Karen O'Malley
19:08 21 May 25
I've been a customer of Fearnow for about a year now...I started out with one home insurance policy with Fearnow and now I've transferred over all my policies to them. Joe has been incredible in helping me find the best prices for all my properties. He is very responsive to all my emails and questions and most importantly he is very thorough with everything. He doesn't miss a thing ! I feel confident in knowing that I am in good hand with Joe at Fearnow Ins.
Mindy
18:17 15 May 25
I’ve been a customer of Fearnow for about 3 years now. I’ve trusted them with my home, auto, and life insurance policies.Joe and Matt have worked diligently to find me the best policies that meets my needs and don’t break the bank.Joe, in particular, went the extra mile when it came to my life insurance policy. He was a steadfast advocate for me and my family during the underwriting process and helped me lower my rate by requesting the consideration of a second opinion. If Joe hadn’t stood by my side, I’d have half the coverage for the same price.Therefore, I couldn’t recommend the folks at Fearnow enough. They really do put their customers needs first!
Nicholas Olson
01:47 12 May 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Liability Coverage

Liability coverage helps protect you against financial losses if someone gets injured on your property. It is designed to pay any associated medical bills and any lawsuits arising from the injury.

A good example of this would be if you failed to maintain the porch and your tenant falls. In this instance, you would be responsible for any medical bills, and if the tenant sues you for lack of maintenance, this insurance would help pay for any legal expenses.

Property Coverage

The property coverage part of the landlord insurance is designed to pay for damage to the structures on the property that the landlord owns and any equipment the landlord owns that is on the property.

  • Dwelling Coverage – This covers the main structure that is being rented to tenants. The main structure could be a home, apartment or condo. Events that may be covered include fire, wind damage and certain types of weather events. To get a full list of types of covered damages, it’s best to talk to your insurance agent and read your policy.
  • Additional Structures Coverage – If your property has outbuildings, fences or walls, this coverage helps financially protect you if they are damaged due to a covered event.
  • Equipment and Personal Property – If the landlord stores equipment on the property in order to maintain it, these items would be covered under equipment and personal property. Examples of covered equipment could be leaf blowers, lawnmowers and various other tools.

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Competitive pricing nationally with world-class customer service!

What Landlord Insurance Does Not Cover

  • Landlord Property Not Used to Maintain the Rental – If the landlord has personal property like clothes, electronics and other items that are not used to maintain the property, they are typically not covered under a landlord insurance policy.
  • The Tenant’s Property – The tenant’s personal property is not covered under a landlord policy. This includes anything the tenant brings to the property, including clothes, dishes, furniture and electronics. In order for a tenant’s personal belongings to be covered, they must have and maintain a Renter’s Insurance Policy. As a landlord, you can leave the purchase of renter’s insurance up to your tenant, or you can require it in your lease as a condition of renting the property.
  • Flooding and Earthquake Damage – Flooding due to severe storms, like hurricanes and tropical storms, and earthquake damage is not covered under a landlord insurance policy. To get coverage for these types of weather events, you’d have to purchase flood insurance and earthquake insurance.
  • Maintenance and Normal Wear and Tear – Maintenance costs and normal wear and tear by tenants are not covered under landlord insurance. Landlord insurance also does not typically help pay for damage caused by lack of maintenance.

Additional Insurance Policies

Getting landlord insurance for your rental property is a good start when it comes to financially protecting yourself against damage caused by certain events. However, it may not fully protect you against all scenarios that could be covered. Additional insurance policies that our agents recommend include:

  • Vandalism – If someone vandalizes your property by spray-painting it or breaking a window, this type of coverage may help pay for the repairs.
  • Burglary – If someone breaks into your rental and steals something you use in order to maintain the property, like a lawnmower or leaf blower, this coverage would help pay for the replacement of the stolen items.
  • Under Construction – If you are renovating your rental and unable to rent it to a tenant, this type of coverage helps financially protect you against certain types of damage until you are able to rent your property.
  • Building Code Upgrades – If you have to repair your property due to damage, you may be subject to the new building codes. This type of insurance helps pay the additional costs associated with building code upgrades.
  • Fair Rental Value/ Loss of Income – If your property is damaged by a covered event and you are unable to rent it while repairs are being made, this type of coverage helps provide you with income for your rental.