Insurance

Citizens Cut Rates — But Your Landlord Policy May Go Up

Citizens cut personal-lines rates 8.8% for 2026 — but apartment and condo-association landlords got an increase on July 1. Here's how to tell which bucket your Florida rental is in.

Your Insurer Dropped Your Florida Rental — Now What?

A carrier just dropped your Orlando or Tampa rental. Here's the exact order to shop new coverage, why you can't let it lapse, and where Citizens actually fits.

Loss of Rental Income Coverage: The Florida Insurance Line That Pays You When No One's Paying Rent

Your dwelling policy rebuilds the drywall. It doesn't replace the rent you lose while the unit sits empty for repairs. Here's the Florida coverage line most landlords never check — and how a single storm exposes it.

Florida Landlord Briefing: June 2026

The SB 716 five-day eviction notice you were told to prep for? It died in committee. Citizens' insurance change still lands July 1, hurricane season just opened, and mortgage rates climbed again. Four June developments — one of them a myth to ignore.

Someone Got Hurt at Your Florida Rental: Liability

A tenant or their guest got hurt at your Florida rental. Are you liable? Here's how premises liability actually works, what to do in the first 48 hours, and how landlord insurance protects you.

Hurricane Season 2026: The Insurance Documentation Most Florida Landlords Skip

The 2026 hurricane season forecast looks calmer than 2024 — but 34.8% of Milton claims still went unpaid. Here's the documentation protocol that separates paid claims from denial letters.

How Much Does It Cost to Become a Landlord in Florida?

What it actually costs to become a landlord in Florida — down payment, closing, make-ready, and the insurance bill that blindsides first-timers.

Fire Damage in a Florida Rental: Who Pays and What Happens to the Lease

A fire just hit your Florida rental. Does the lease end? Who pays to rebuild? Here's how FL Statute 83.63 splits the call — and why your insurance, not your tenant's, fixes the structure.

Hurricane Prep for Tampa Bay Rental Properties: A Landlord's Guide

Tampa Bay faces different hurricane risks than inland Florida. Storm surge, wind-borne debris zones, and named-storm deductibles change the math for landlords.

Florida Flood Disclosure for Landlords: SB 948 Requirements

Florida's flood disclosure rules now apply to landlords. Here's what SB 948 requires, how to check your property's flood zone, and what happens if you skip it.

Tampa Landlord Insurance: Hillsborough County Specifics

Tampa landlord insurance runs about $2,300-$2,800 a year before flood coverage. Here's how flood zones, wind, and sinkhole risk shape what you need.

Hidden Costs of Owning Rental Property in Florida

The purchase price is just the beginning. Here's every hidden cost Florida landlords face — from insurance surprises to vacancy gaps to the expenses nobody warns you about.

Landlord Insurance in Florida: What Property Owners Need

What Florida landlord insurance covers, what it doesn't, what it costs in Orlando, and the coverage gaps that catch rental owners off guard.

Water Damage in a Rental: Who Pays in Florida?

Water damage in your Florida rental — who's responsible? The answer depends on the cause. Here's how to determine liability, respond fast, and protect your investment.