Florida
Florida rental property and dwelling fire (DP-1) insurance quotes
Non-owner-occupied Florida property is quoted on a dwelling fire form, not an HO-3. We run HO-3 and DP-1 in parallel where both apply so you can see which form prices better for your property.
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- Occupancy: long-term tenant, seasonal, short-term rental, or vacant
- DP-1 (named perils, often ACV) vs. DP-3 (broader, replacement cost)
- Fair rental value and loss-of-rent coverage
- Liability limits for landlord exposure
- Roof age, which still governs eligibility on dwelling fire forms
DP-1 vs. DP-3
The form drives both price and claim outcome:
- DP-1: named perils only, frequently actual cash value — cheapest option, thinnest coverage
- DP-3: open perils with replacement cost — costs more, pays more
- Vacant or under-renovation property needs a vacancy or builders-risk form instead
Short-term rentals
Airbnb and VRBO use is a commercial-flavored exposure. Many standard carriers exclude it, so tell us up front and we route the property to carriers that accept short-term rental occupancy.
Common questions
No. An HO-3 requires owner occupancy. Rentals need a dwelling fire (DP-1 or DP-3) or landlord policy.
Yes, through carriers that specifically accept short-term rental occupancy. Disclose it at quote time so the policy is not voided at claim time.
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