Florida landlord insurance companies (2026)
Here is every landlord insurance company we track in Florida, A to Z. See their status today and their financial strength. Tap a company for their rules and claims number.
| Company | New policies | Financial strength | Shop your renewal |
|---|---|---|---|
| American Integrity Home, condo, renters, landlord and flood | Taking new policies | A (Exceptional) Demotech | Shop your American Integrity renewal |
| American Modern Home and landlord | Taking new policies | A+ (Superior) AM Best | Shop your American Modern renewal |
| Citizens Home, condo, renters, landlord, wind-only and business | Taking new policies | Not rated | Shop your Citizens renewal |
| Cypress Insurance Home, condo, renters, landlord, flood and business | Taking new policies | A (Exceptional) Demotech | Shop your Cypress Insurance renewal |
| Florida Family Insurance Home, condo, landlord and flood | Taking new policies | A (Exceptional) Demotech | Shop your Florida Family Insurance renewal |
| Florida Farm Bureau Home, auto, landlord and business | Taking some new policies | B++ (Good) AM Best | Shop your Florida Farm Bureau renewal |
| Florida Peninsula Home, condo, renters, landlord and flood | Taking new policies | A (Exceptional) Demotech | Shop your Florida Peninsula renewal |
| Frontline Home, condo, landlord and business | Taking new policies | BBB+ KBRA | Shop your Frontline renewal |
| GeoVera Home, landlord and wind-only | Taking new policies | A (Excellent) AM Best | Shop your GeoVera renewal |
| Heritage Home, condo, landlord and business | Taking new policies | A (Exceptional) Demotech | Shop your Heritage renewal |
| Homeowners Choice Home, condo and landlord | Taking new policies | A (Exceptional) Demotech | Shop your Homeowners Choice renewal |
| Kin Home, condo, landlord, flood and auto | Taking new policies | A (Exceptional) Demotech | Shop your Kin renewal |
| Lilypad (Centauri) Home, condo, renters, landlord, flood and business | Taking new policies | A (Exceptional) Demotech | Shop your Lilypad (Centauri) renewal |
| Mangrove Home and landlord | Taking new policies | A (Exceptional) Demotech | Shop your Mangrove renewal |
| Markel Home, condo, landlord and renters | Taking new policies | A (Excellent) AM Best | Shop your Markel renewal |
| Monarch National Home, landlord, condo, renters and flood | Taking new policies | A (Exceptional) Demotech | Shop your Monarch National renewal |
| Olympus Insurance Home, condo and landlord | Taking new policies | A (Exceptional) Demotech | Shop your Olympus Insurance renewal |
| Orange Insurance Exchange Home, condo, landlord, flood and business | Taking new policies | A (Excellent) Demotech | Shop your Orange Insurance Exchange renewal |
| Orion180 Home, landlord and flood | Taking new policies | A (Exceptional) Demotech | Shop your Orion180 renewal |
| Safe Harbor Home, condo and landlord | Taking new policies | A (Exceptional) Demotech | Shop your Safe Harbor renewal |
| SafePoint Home, condo, landlord and business | Taking some new policies | A (Exceptional) Demotech | Shop your SafePoint renewal |
| Security First Home, condo, renters and landlord | Taking new policies | A (Exceptional) Demotech | Shop your Security First renewal |
| Southern Oak Insurance Home, condo, renters, landlord and flood | Taking new policies | A (Exceptional) Demotech | Shop your Southern Oak Insurance renewal |
| Tower Hill Home, condo, renters, landlord, flood and business | Taking new policies | A (Exceptional) Demotech | Shop your Tower Hill renewal |
| Universal Property Home, condo, renters and landlord | Taking new policies | A Demotech | Shop your Universal Property renewal |
| US Coastal Home, condo, landlord and business | Taking new policies | A (Exceptional) Demotech | Shop your US Coastal renewal |
Source: Financial strength: Demotech, AM Best or KBRA. Tap a company for each date and link.
Demotech grades, best first: A double prime, A prime, A, S, M and L. Source: Demotech, Financial Stability Ratings definitions, read Oct 21, 2026.
AM Best grades, best first: A++, A+, A, A minus, B++, B+, then B and lower. Source: AM Best, Guide to Best's Financial Strength Ratings (FSR), read Oct 21, 2026.
Questions people ask about Florida landlord insurance
What is landlord insurance in Florida?Florida companies often call it a dwelling fire policy, or DP-3.
It covers a home you own and rent out to others. Citizens says their DP-3 covers the home, other buildings on the lot and your lost rent. You can add liability for when someone gets hurt on the property.
Will my homeowners policy cover a home I rent out?Usually not.
A homeowners policy (HO-3) is for a home the owner lives in. Citizens says the owner must live there as their main home. For a home you rent out, Citizens and many other companies sell a dwelling fire policy.
Source: Citizens Property Insurance, Personal Policies, read Oct 24, 2026
Do my tenants need their own insurance?Yes, they need their own.
Your policy is for the building. A renters policy (HO-4) covers the tenant's things, extra living costs and liability. It does not cover the building itself.
Source: Citizens Property Insurance, Personal Policies (Tenant/Renters Contents, HO-4), read Oct 24, 2026
Does landlord insurance cover flood?Plan on a separate flood policy.
FEMA says most homeowners insurance does not cover flood. The federal flood program sells building coverage for the home and contents coverage for things inside. If the home is in a high risk flood zone and has a government backed loan, flood insurance is required.
Source: FEMA FloodSmart, Eligibility and Flood Insurance Basics, read Oct 24, 2026
Can a rental home with an older roof get landlord insurance?Sometimes.
Security First says some homes with an older roof can't get their standard home policy. Those homes may still get their landlord policy, with a roof payment schedule added.
Source: Security First, Dwelling Landlord, read Oct 24, 2026
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