Protect Your Property—and Your Rental Income
If you're renting out a house, condo, or investment unit in East Orlando, you need more than a standard homeowners policy. Landlord insurance in Florida is designed specifically for rental properties—and it fills the critical gaps left by regular home insurance.
The White Agency helps property owners across Avalon Park, Waterford Trails, and the greater Orlando area secure
customized landlord coverage for both long-term and short-term rentals. Whether you own one rental or several, we’ll help protect your structure, your liability, and the income you rely on.
Coverage That Fits the Business of Renting
Dwelling Protection
Covers the physical structure from damage caused by fire, wind, hail, vandalism, and more.
Liability Coverage
Protects you if a tenant or visitor is injured on your property and you’re held legally responsible.
Loss of Rental Income
Reimburses lost rent if your property becomes uninhabitable after a covered claim.
Landlord’s Property
Covers items you’ve provided in the rental—like appliances, HVAC systems, or lawn equipment.
Tenant Damage Add-ons
Optional protection against intentional damage or vandalism caused by renters (where available).
Eviction Expense Endorsements
Some carriers offer limited reimbursement for legal fees tied to tenant eviction.
Coverage That Adjusts to Your Rental Setup
Whether you’re managing one condo or a portfolio of townhomes, we tailor coverage that works for you.
There’s no one-size-fits-all for rental property insurance in Orlando. Some landlords lease long-term, others rely on seasonal rentals or Airbnb. Some live out of town, while others manage locally.
The White Agency works with independent carriers across Florida to help you build a policy that fits your ownership style, budget, and risk tolerance.
- Single-family homes, condos, and duplexes
- Airbnb and short-term rental options available
- Policies for individual owners or LLC-owned properties
- Help evaluating gaps in your HOA’s condo master policy
- Optional endorsements for tenant-caused damage
- Local guidance for navigating Florida’s rental laws
Because protecting rental income isn’t just about the building—it’s about the details.
Smart Questions, Straight Answers
Whether you’re new to renting or have managed units for years, landlord insurance comes with a unique learning curve. We’re here to walk you through it—so you’re not left guessing when it matters most.
What’s the difference between landlord insurance and homeowners insurance?
Homeowners insurance is for owner-occupied homes. Landlord policies are built for rental scenarios—including income protection and tenant-related liability.
Is loss of rent included in a landlord policy?
Yes, many Florida landlord policies include loss of rent if a covered claim makes your property unlivable.
Do I need separate insurance for a condo I rent out?
Yes. You’ll need a policy that complements the condo association’s master policy. We can help ensure you’re not over- or under-insured.
Can I require tenants to carry renters insurance?
Absolutely—and we recommend it. We can help your tenants get affordable coverage too.
Does landlord insurance cover short-term rentals like Airbnb?
Some carriers offer endorsements for short-term rentals. Let us know how you use the property, and we’ll find the right fit.
How much does landlord insurance cost in Florida?
Rates vary by location, structure type, and policy features. We compare multiple carriers to find the most competitive premium for your situation.