Endorsements Every Florida Landlord Should Add to a Dwelling Fire Policy
· Home Insurance · Business Insurance
A rental property policy priced at the bare minimum leaves out the coverages that make rentals financially survivable after a loss.
Loss of Rents
If the unit is uninhabitable after a covered loss, loss of rents replaces the income while repairs are made. Set the limit to real market rent, not the lease you signed three years ago.
Vandalism and Malicious Mischief
Some dwelling fire forms exclude or restrict vandalism, especially on vacant units. Add it back and understand the vacancy clause.
Liability and Premises Medical
Tenant and guest injuries are the most common landlord liability claim. Pair adequate premises liability with an umbrella.
- Loss of rents at market rate
- Vandalism and malicious mischief
- Ordinance or law for code upgrades
- Premises liability plus umbrella
Frequently Asked Questions
Does my tenant's renters policy protect me?
It protects their belongings and their liability, not your building. Require it, and require being named as an additional interest.
What happens if the unit is vacant between tenants?
Most policies restrict coverage after 30 or 60 days of vacancy. Tell your agent before the unit goes empty.
Talk to a Licensed Florida Agent
SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.
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