Landlord Insurance2022-02-01T09:40:33-05:00

Landlord
Insurance
Quotes

Landlord Insurance Quotes

google rating and reviews graphic
fearnow bbb badge
angies list a rating badge
google rating and reviews graphic
fearnow bbb badge
angies list a rating badge

Quotes from 350+ Carriers:

progressive insurance
auto owners insurance
travelers insurance
nationwide insurance
liberty mutual insurance
allstate insurance

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

My agent is Matthew Wink, and he has provided me with excellent service for many years. I am very satisfied with his professionalism and customer service.
Bryan Mion
00:56 24 Feb 24
I would highly recommend Fearnow Insurance (Seffner, FL) if you not only want the quickest results to your home insurance needs, but also the best value given your personal circumstances.Our family has been made to feel prioritized, given the fast return response times to all of our questions/concerns.Our representative, Joseph Boyle, with nearly 30 years of experience, is adept in his field, and with this added value, being extremely knowledgeable follows as should be expected.He carries himself with the utmost professionalism, yet is also very personable, and explains our questions thoroughly, so we are not left in the dark.He will thoroughly review all options that best suit your family needs to get you most affordable policy. With his military background, it is clear that this has most likely contributed to his organizational skills, as well as extreme promptness.I would recommended Fearnow as my first choice, when comparison shopping.Best of luck and happy insurance shopping. Fearnow is sure to make it painless!
Kendal Donohoe
18:18 22 Feb 24
Gracias Jennifer por el excelente servicio como siempre. May profesional y amable.
Hanoi Lapaix martinez
03:52 22 Feb 24
Been using Fearnow for a few years now and they're great. Melanie is amazing and very helpful whenever I have any questions or issues
David Campbell
14:37 21 Feb 24
Jennifer Rubio helped us save! Thank you for all your help!
Brittany Bush
14:08 21 Feb 24
We have had a very nice experience with JOSEPH!Very helpful!
Carol Valvo
21:59 20 Feb 24
Lydia was/is my contact with Fearnow Insurance. I have never had such a nice experience when dealing with an insurance agent at a large insurance agency. Lydia was very nice , pleasant and knowledgeable. She listened to what I was inquiring about ( a new policy ) and asked relevant questions. She had a quote for me within 24 hours and it was a better policy than what I was leaving behind and for much less money. Everything was done over the IPHONE. Fantastic experience, HIGHLY recommend Fearnow Insurance and Lydia. I will be telling family & friends to give them a try.
Steve Doyle
20:08 06 Feb 24
Joe's service went above and beyond my expectations. He works quickly and thoroughly with great attention to details. I recommend Joe as a great agent to serve you well!
James Reed
20:43 03 Feb 24
I have nothing but praise for this company. I have dealt with Matthew Wink for several years and he is knowledgeable, attentive, and professional. He jumps right on my requests and puts forth maximum effort to save me money where possible. I'm his customer for life!!
Ron Clemmons (illconsumed)
02:40 02 Feb 24
Fair is fair, If you are going to write a review on a business then you should write a good one if they have somewhat redeemed themselves. Since writing this review I have had to contact the office regarding my dads buisness. The office has been very responsive to my questions in a timely way. Believe me I am not looking for a response within the hour but with in a day. Both Matt and Madrianne have been very responsive. I also appreciate the fact that they were and have always looked for better coverage and less expensive coverage opportunities for my Dad. Thank you.My parents have several policies with this company and they have had good experience, wish I could have said the same. A few years ago I asked to get a quote on new car insurance. I sent Matt all of the information and never heard back. I called several times and emailed - again no response. Recently my dads homeowners insurance renewed and I called because I had a question, Jennifer was very helpful. I asked her to look into new homeowners insurance for me (to give me a quote) never heard back, no follow up. I then sent my daughter to this company to get comparison quotes on new car insurance, because they have been very good for my parents and their policies. My daughter called, left multiple messages and again emailed Matt. No response from him, so she went elsewhere. So one last chance for me. I again contacted them (Matt) via email. I keep going back to him because he has been helpful to my dad. I emailed him all of the documents and waited all day, I did get a call back from him but that was after I had called and spoke to Amanda because I hadn't heard back from Matt at all. I sent her all of the documents and I let Matt know that I sent them to her to get a quote on new homeowners insurance. She stated "I will get back with you later today" That was 2 days ago. Maybe I should have read the review earlier because this seems like a trend with this company of no response or communication with potential clients. So I am done! I think I have given this insurance company many opportunities to get my business and they failed me every time. I have been reluctant to use a company, instead of me going and researching each company I thought I would save myself some time, but to no avail! Sorry, Fearnow insurance, you lost me! I hope that you will still be good for my dad.
Theresa Hickie
10:16 26 Jan 24

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.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

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.