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

Great agency! Joseph Boyles was helpful and easy to work with!
Bambi Adams
18:33 29 Sep 23
My experience with Fearnow Insurance and Joe Boyle was absolutely five star! From my first call to finalizing my homeowners insurance policy I was extremely pleased. Response time from Joe was really impressive. All of my questions were answered timely and I had quite a few of them along the way. He was very professional and made sure that I was comfortable with what I was signing and understood the policy and the coverage I was receiving. Unfortunately, our previous carrier was going out of business and we were on a time crunch with securing new coverage. He understood the sense of urgency and worked hard to make sure we were able to secure the coverage we were needed. I would highly recommend Fearnow Insurance to anyone looking to secure an insurance policy. In addition to my homeowners insurance I will also be reaching out to them to look into automobile insurance.
Gracie Praizner
20:26 27 Sep 23
If you need insurance Fearnow is the place to go! We've used Fearnow for the last few years and have built a great relationship with a lot of the staff but Jean Rodriguez takes the lead (I guess you can say she's our favorite agent). Recently we were having the hardest and most stressful time finding an insurance company for garage liability and sadly we were forced to shop with other agencies. Every company we spoke with said our current agent has clearly gone above and beyond for us and unfortunately couldn't help because Jean already approached the markets they were signed with. A day or two before our expiration date we had a quote with another agency. We sent the quote over to Jean to look over and Jean WENT TO WORK AGAIN and MADE IT HAPPEN!!! We appreciate Jean and the rest of the team at Fearnow and are so happy we can continue to have them on our team!! Thank You! Thank you! THANK YOU!!!!
Joshua Hernandez
17:12 27 Sep 23
Joe continues to provide excellent service! Earlier this year he helped with my mother's homeowner insurance by cutting the cost in half. Now he's helped with securing auto insurance for my daughter. He's very responsive & knowledgable. Highly recommend using Fearnow & Joe for your personal lines needs.
Amy Walker
01:04 23 Sep 23
Fearnow has handled our personal and commercial insurance needs for many years now and have always gone the extra mile to make sure we have our insurance needs taken care of!
All American Land Management LLC
20:10 22 Sep 23
Amanda Ball was AWESOME!!!!!!! Thank you so much!!!!
Mindy Polk
13:31 22 Sep 23
Gracias por Tu excellente servicio, Jennifer . Cada vez que hablo contigo es un placer, eres paciente y de verdad muestras interes en ayudar. Una clienta satisfecha.
Alejandra Del castillo
22:56 14 Sep 23
Highly recommend Fearnow Insurance and Daneen Stiles. She went above and beyond to keep me as a client. Explained all my options to me. Thank you!
Lori Rogers
13:32 12 Sep 23
Joe Boyle was able to help us out very quickly getting new Home and Car insurance after AAA decided to cancel us. Aside from getting this done in a day, it was cheaper as well. All this after we had been waiting for about 2 weeks, twice in a row by other "insurance agents" without as much a quote. Joe really killed it. Don't fear now, call Joe!
Maarten Huiskamp
22:23 11 Sep 23
Look no further for your insurance needs. As you all know, purchasing a home and finding a credible insurance agency can be stressful. Amanda Ball, went above and beyond answering any questions I had and guiding me through what I needed. She was so pleasant and easy to talk to. Highly recommended, she is my go to for all insurance needs!
Nicole Buchana
19:59 11 Sep 23

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.