{"id":183,"date":"2026-10-10T18:07:24","date_gmt":"2026-10-10T22:07:24","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/landlord-insurance\/"},"modified":"2026-10-29T15:06:57","modified_gmt":"2026-10-29T19:06:57","slug":"landlord-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/landlord-insurance\/","title":{"rendered":"Seguro para propiedades de alquiler"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"183\" class=\"elementor elementor-183\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db23549 e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"db23549\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d179ca elementor-widget elementor-widget-text-editor\" data-id=\"1d179ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86b4241 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"86b4241\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Landlord insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4419928 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4419928\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Landlord and rental property insurance in Florida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aa614b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8aa614b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A homeowners policy usually stops covering a home once you rent it out. We insure single-family rentals, condos, townhomes and small multi-unit properties across Central Florida.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0e5cb0 elementor-widget elementor-widget-text-editor\" data-id=\"a0e5cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=landlord\">Get a landlord quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ff908b e-flex e-con-boxed e-con e-parent\" data-id=\"0ff908b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-359a332 e-flex e-con-full e-con e-child\" data-id=\"359a332\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bab72e6 e-flex e-con-full uia-answer e-con e-child\" data-id=\"bab72e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd92d4 elementor-widget elementor-widget-heading\" data-id=\"8fd92d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4779ea1 elementor-widget elementor-widget-text-editor\" data-id=\"4779ea1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Landlord insurance, usually written as a dwelling fire policy such as a DP-3, covers a home you rent to others. It protects the building, your liability as the owner and, if you add it, the rent you lose while the home is being repaired after a covered loss. Your tenants&#8217; belongings aren&#8217;t covered. They need their own renters policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a681434 uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"a681434\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>What a landlord policy covers<\/h2><ul><li><strong>Dwelling:<\/strong> the structure, including the roof, walls and built-in systems.<\/li><li><strong>Other structures:<\/strong> fences, detached garages and sheds.<\/li><li><strong>Loss of rents:<\/strong> the rental income you lose while the home can&#8217;t be lived in after a covered loss.<\/li><li><strong>Premises liability:<\/strong> injuries to tenants or visitors caused by a problem with the property.<\/li><li><strong>Landlord&#8217;s property:<\/strong> appliances, furniture and equipment you provide.<\/li><\/ul><h2>Short-term rentals<\/h2><p>Renting through Airbnb or VRBO is different from a long-term lease, and many policies exclude it. If you host short-term guests near the parks or anywhere in Central Florida, tell us so we can quote coverage written for it.<\/p><h2>Florida rental property details<\/h2><p>The same things that drive homeowners rates here apply to rentals: roof age, home age, wind mitigation and flood exposure. Older rentals often need a 4-point inspection. Flood is excluded, so consider a <a href=\"\/flood-insurance\/\">flood policy<\/a>, and protect your other assets with an <a href=\"\/umbrella-insurance\/\">umbrella policy<\/a> if you own several properties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19b7725 e-flex e-con-full e-con e-child\" data-id=\"19b7725\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-85c3023 e-flex e-con-full uia-side e-con e-child\" data-id=\"85c3023\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf6df3 elementor-widget elementor-widget-heading\" data-id=\"4bf6df3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get a landlord quote<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb35e6f elementor-widget elementor-widget-text-editor\" data-id=\"fb35e6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Send the property address, roof year and whether it&#8217;s rented long-term or short-term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-521d058 elementor-widget elementor-widget-text-editor\" data-id=\"521d058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=landlord\">Start my quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"\/home-owner-quotes\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31a7922 e-flex e-con-boxed e-con e-parent\" data-id=\"31a7922\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83c7f05 elementor-widget elementor-widget-heading\" data-id=\"83c7f05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Landlord insurance questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1282ed5 elementor-widget elementor-widget-accordion\" data-id=\"1282ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1941\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1941\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I keep my homeowners policy if I rent my house out?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1941\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1941\"><p>Usually not. Most homeowners policies require you to live in the home. Once it&#8217;s rented, you need a landlord policy, or a claim could be denied.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1942\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1942\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Does landlord insurance cover my tenant's belongings?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1942\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1942\"><p>No. Tenants need their own renters insurance. Many landlords require it in the lease.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1943\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1943\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is landlord insurance more expensive than homeowners?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1943\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1943\"><p>It often costs somewhat more because rentals carry different risks, but the difference varies by property and carrier. We&#8217;ll quote several to find the best fit.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can I keep my homeowners policy if I rent my house out?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Usually not. Most homeowners policies require you to live in the home. Once it&#8217;s rented, you need a landlord policy, or a claim could be denied.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Does landlord insurance cover my tenant's belongings?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>No. Tenants need their own renters insurance. 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We insure single-family rentals, condos, townhomes and small multi-unit properties across Central Florida. Get a landlord quoteCall (407) 898-1116 The short answer Landlord insurance, usually written as a dwelling fire policy such as [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-183","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=183"}],"version-history":[{"count":4,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/183\/revisions"}],"predecessor-version":[{"id":408,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/183\/revisions\/408"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}