Landlord insurance

Landlord & Rental Property Insurance

Rental properties need a different policy form than an owner-occupied home. We help you find coverage built for tenant-occupied dwellings.

Dwelling & other structures
Landlord liability
Loss of rents
Short- and long-term rentals

Request a Quote (850) 438-0008

Request an Insurance Quote

A licensed team member will follow up, usually the same business day.

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Where the property is located, this is what carriers rate.

Contact & privacy disclosures

By checking the box and submitting this form, I give express written consent for Kite Insurance Agency and the insurance carriers, licensed agents, and partner agencies we work with to contact me about my insurance request by phone, text message (SMS/MMS), and email at the number(s) and email address I provide, including any wireless number.

Communications may be delivered using automated technology, including autodialers, prerecorded messages, and AI-powered voice agents, and calls may be recorded for quality and training purposes.

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Secure request · No obligation · Quotes subject to underwriting.

Licensed help

Fast follow-up

No obligation

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.

What landlord coverage includes

Dwelling — the structure itself against covered perils.
Liability — tenant or guest injury claims tied to the property.
Loss of rents — rental income while the unit is being repaired after a covered loss.

Florida considerations

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.

Related coverage

Flood insurance for rental properties — Landlord policies exclude flood.
Umbrella coverage for landlords — Extra liability above your dwelling policy.
Renters insurance for your tenants — What your tenants should carry.

Frequently asked questions

Can I use a regular homeowners policy on a rental?▾

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.

Should I require tenants to carry renters insurance?▾

Many landlords do. It covers the tenant's belongings and liability, which keeps smaller losses off your policy.

Can I use a homeowners policy on a rental property?▾

Usually not. Once a home is rented out, a landlord (dwelling fire) policy is generally needed.

What is loss of rents coverage?▾

If a covered loss makes your rental uninhabitable, loss of rents coverage can replace the rental income you lose during repairs.

Does landlord insurance cover my tenant's belongings?▾

No. Tenants need their own renters policy for their personal property and liability.

Is short-term rental (Airbnb) coverage different?▾

Yes. Short-term rentals often need specific coverage or endorsements. Tell us how the property is used so we can compare suitable options.

Request a Landlord Quote

Request a quote or call us today.

Request a Quote (850) 438-0008

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