Rental Property Is a Business.
Insure It Like One.
Long-term tenants in Lynn Haven or vacation guests on Cape San Blas, either way, a homeowners policy on a rental is the wrong tool. Dwelling-fire and short-term-rental forms exist for a reason. We write both, daily.
Rental Coverage for This Specific Coast
Long-Term & Short-Term Forms
Annual leases and vacation rentals are different risks on different policy forms. Insuring an Airbnb on a landlord policy invites a denied claim.
Loss of Rents Coverage
When a covered loss empties the property, loss-of-rents replaces the income, the line that keeps the mortgage paid during repairs.
Coastal Wind & Flood Strategy
Rental properties near the water need the same wind and flood discipline as your own home, often more, given guest liability.
Portfolio Pricing
Multiple doors? We schedule portfolios efficiently and re-shop the whole book at renewal.
Why Homeowners Insurance Fails on Rentals
Homeowners policies are written for owner-occupants. Rent the property out and you've changed the risk fundamentally, and most homeowners forms respond by excluding or denying losses that occur during rental use. The correct tool is a dwelling-fire (DP-3) policy for long-term rentals, or a short-term-rental form for vacation properties, each built around tenant and guest occupancy.
The liability question matters even more than the building. Tenants and paying guests injured at your property sue as invitees, and vacation guests, unfamiliar with the house, find hazards owners never would. We pair proper premises liability with loss-of-rents coverage and, for most rental owners, an umbrella above it all.
- Dwelling coverage: the structure at replacement cost, on the correct rental form
- Loss of rents: rental income replaced during covered repairs
- Premises liability: tenant and guest injury protection
- Owner's contents: appliances and furnishings you provide, especially in furnished vacation units
- Short-term-rental endorsements: coverage that explicitly contemplates paying guests
Every Kind of Rental, Properly Written
Four ownership scenarios we insure across Bay and Gulf County every week.
The Annual Rental
A tenant on a year lease in Callaway. DP-3 coverage with loss of rents and premises liability, the clean, classic landlord structure.
The Vacation Rental
A Cape San Blas house on the rental program. Short-term-rental forms covering guest liability, furnishings, and the booking income a storm season can erase.
The Accidental Landlord
You moved but kept the old house and rented it. The homeowners policy needs replacing the day the lease starts, we make that switch seamless.
The Portfolio
Five doors and growing. Scheduled coverage, consistent liability limits, one renewal conversation, and umbrella protection over the whole book.
How Rental Owners Save
Wind Mitigation Inspections
On coastal rentals, documented mitigation features cut wind premiums substantially, often paying for the inspection many times over.
Higher Deductible Math
Investment properties often warrant different deductible strategies than your own home. We'll run the numbers.
Portfolio Scheduling
Multiple properties with one agency means package efficiencies and a single point of accountability.
Tenant Insurance Requirements
Requiring renters insurance in your leases shifts contents claims off your policy, and your loss history.
Coverage That Performs
Like the Property Should
Tell us the address, the rental model, and the rent roll. We'll structure the right form with loss-of-rents and bring back numbers from multiple carriers.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p
Sat & Sun: Closed
Port St. Joe Office
Sat & Sun: Closed