★★★★★
“Atsi Insurance Group compared every carrier for me and handled the whole switch. I got better coverage and saved money without lifting a finger.”
What a Florida landlord policy should cover
A DP-3 dwelling policy is the industry standard for a single-family or 2-4 unit non-owner-occupied rental. Here is what we make sure is on yours.
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Dwelling (DP-3)
Replacement cost on the structure for fire, wind, hail, falling objects, and more on an open-perils basis.
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Landlord liability
Defends you if a tenant, guest, or contractor is injured on the property. Written with $500K-$1M limits as standard.
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Loss of rent
Pays the rent you would have collected while the home is being repaired after a covered loss. 12 months standard.
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Hurricane & wind
Separate wind deductible in Florida. Usually the largest claim a Florida landlord will ever file.
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Vandalism & theft
Covers damage from break-ins and malicious damage to the structure between tenants.
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Flood (separate)
Not included in the DP-3. Strongly recommended in FEMA zones A and V. We quote NFIP and private flood alongside.
Why Florida landlords trust Atsi Insurance Group
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Bundle with personal policies
Stacking a landlord DP-3 with your personal home and auto unlocks multi-policy discounts at most carriers.
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Wind mitigation credit
A current wind mitigation inspection can dramatically reduce the wind portion of your premium. We order it for you if needed.
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Roof age & material shop
Carriers price roofs very differently. A roof that is uninsurable at one carrier is standard at another. We know which is which.
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Right-size the dwelling limit
Many owners over-insure based on market value. We set the limit to actual rebuild cost, which is often meaningfully lower.