Landlord insurance
Rental properties need a different policy form than an owner-occupied home. We help you find coverage built for tenant-occupied dwellings.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Wind, roof age, and flood zone all affect eligibility on the Gulf Coast. Flood is a separate policy — ask us to quote it alongside your landlord coverage.
Generally no. Once a property is tenant-occupied, carriers require a landlord / dwelling fire policy. Using the wrong form can lead to a denied claim.
Many landlords do. It covers the tenant's belongings and liability, which keeps smaller losses off your policy.
Usually not. Once a home is rented out, a landlord (dwelling fire) policy is generally needed.
If a covered loss makes your rental uninhabitable, loss of rents coverage can replace the rental income you lose during repairs.
No. Tenants need their own renters policy for their personal property and liability.
Yes. Short-term rentals often need specific coverage or endorsements. Tell us how the property is used so we can compare suitable options.