Looking for Short Term or Long Term Rental Insurance in Davenport FL?
If you own a rental property in Davenport Fl or a home that happens to be vacant, a traditional homeowners insurance policy will not work.
You need what’s called a “Dwelling Fire” insurance policy.
This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied.
In other words, if you don’t live in the house, it’s only covered by a Dwelling Fire policy.
Discovery Insurance Agency represents several carriers who can insure your rental property, or specialty use property.
Short Term or Long Term Rental Insurance Davenport FL
There are multiple scenarios where dwelling fire insurance is necessary:
Rental Properties — Dwelling fire insurance is the only type of policy that will work for a rental property. If you are renting your home on a short term basis meaning a week or less than there are special endorsements you will need or there will be a coverage gap on your policy.
Not all insurance companies have this product. We recommend ASI, Olympus, Tower Hill, Federated National, Security First, & Florida Family.
There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a dwelling fire insurance policy. For example coverage for the contents that you as the owner have furnished like TV’s, couches, beds, etc.
Vacant Homes — vacant homes can present all kinds of problems which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though.
How to get started on your quote
If you have a property in Davenport Fl that fits these parameters, give us a call and we can quote your property to see who has the best product for you.