Building / Property Coverage
Insures the structure of each rental against fire, theft, and other covered losses — written on dwelling or commercial property forms to fit the building.
Coverage for landlords, investors & property owners
A rental property isn't a home you live in — it's an income-producing asset, and it has to be insured like one. Real estate investors and landlords across Miami Lakes, Hialeah, Doral, and all of Miami-Dade County face risks a homeowners policy was never built for: liability when a tenant or visitor is hurt on the property, rental income that stops when a unit is uninhabitable, and a growing portfolio that gets harder to manage one policy at a time. Coverage Insurance Agency builds programs around how investors actually operate — commercial property and dwelling coverage on each building, landlord liability, loss of rents, umbrella limits across the portfolio, and the wind and flood placements that South Florida requires. Whether you own one duplex or thirty doors, we structure it under one local advisor who knows this market. Explore our commercial insurance hub for the full lineup of business coverages.
What Investors Need
Landlords carry exposures an owner-occupant never does. We assemble the lines that protect both the asset and the income it produces — and in Miami-Dade, we make sure catastrophe coverage isn't quietly missing.
Why Coverage
Serving Miami Lakes, Hialeah, Doral, Miami Gardens & all of Miami-Dade County.
Much of Miami-Dade's rental stock is older masonry built decades ago, and carriers underwrite roof age, wind mitigation, and 40-year recertification closely — we know which ones write these buildings and how to position yours for the best terms. When a property is hard to place through standard carriers, we have access to excess and surplus (E&S) markets that will. And because most investors don't stay at one building, we structure programs that scale: portfolio and blanket placements, coordinated umbrella limits, and renewals that stay organized as you add doors. Because we're independent, we shop multiple A-rated carriers against your buildings, occupancy, and loss history instead of forcing you into a single product.
Get a Free QuoteCore Investor Coverages
Every portfolio is different, but these are the lines that show up on almost every investor program we write. We quote each on its own or coordinate them as one package.
Insures the structure of each rental against fire, theft, and other covered losses — written on dwelling or commercial property forms to fit the building.
Protects you when a tenant, guest, or contractor is injured on the property and you're held responsible as the owner.
Replaces the rental income you lose while a damaged unit is being repaired and can't be occupied by a paying tenant.
Blanket programs cover several buildings under one policy — simpler to manage and often cheaper than insuring each property separately.
Common Questions
Most carry commercial property or dwelling coverage on each building, landlord (premises) liability, and loss of rents to replace income while a unit is uninhabitable. Portfolios usually add an umbrella to lift liability limits across every property. One local detail: in Miami-Dade, wind/Named Storm and flood are typically placed as separate policies, not bundled — we make sure both are covered.
A homeowners policy is written for an owner-occupied home. A rental is an income-producing asset and needs a landlord policy — a dwelling (DP-3) for one to four units, or a commercial property policy for larger buildings — covering the structure, liability, and lost rent. A homeowners policy can be reduced or voided once the home is rented out, so the coverage has to change with the use.
Yes. Your policy covers the building and your liability as owner — not the tenant's belongings or their personal liability. Tenants should carry renters insurance for that. Require it in the lease and ask to be named an additional insured on the tenant's policy, which gives you notice if it lapses and adds protection if the tenant causes a loss.
Yes. A portfolio or blanket program covers several buildings under one policy — usually simpler to manage and often cheaper than separate policies, with limits that can flex across buildings in a loss. We build the program around what you own now and make it easy to add doors as you grow. Get a quote and we'll compare it to your current setup.
Related Coverage
Most landlords and investors run several policies at once. We coordinate them in one conversation — see also our commercial insurance hub.
Building coverage, premises liability, and tenant risk for income property — see commercial real estate insurance.
Liability and property packages if you operate an LLC or management company — see commercial business insurance.
Coverage for on-site maintenance or property-management staff — see workers compensation insurance.