Contact Us

  • This field is for validation purposes and should be left unchanged.

Short Term Rental Insurance

A Rental Property Policy Needs to Address Specific Issues

A standard homeowners insurance policy covers owner-occupied properties.  It does not cover a home that is held out for rental or is not owner-occupied.  Most insurance companies will not knowingly provide a policy for a short-term rental home.  We work with the best companies who do.

  • Do you rent your home out weekly or monthly?
  • Do you occupy your second home or vacation home intermittently or non-continuously?
  • Do you furnish this second home for short-term renters? Or do you leave it empty for long-term tenants?
  • What will protect your home against perils like vandalism when your vacation home is unoccupied?

You need a policy for your rental properties that specifically addresses these issues.  Rental properties – be it second homes or short-term rentals – are common in Florida.  For over 15 years we have insured thousands of short-term rental properties.  P Fudge & Associates is well versed in the unique risks of short-term rental homes.  With clients in 73 countries we are experienced in giving piece of mind to absentee owners by properly covering their short-term rental homes in Florida.  Let us make your short-term rental insurance shopping a breeze and give you peace of mind.  Contact us now. 

Dwelling Fire insurance covers damage and legal liability for homes that are not typically owner-occupied or are owned by a corporation or LLC.  This includes coverage for:

  • Single-family homes, condos, apartments
  • Second homes and vacation homes

What It Covers

  • Any sudden or accidental loss or damage unless otherwise excluded
  • Houses that are not occupied by the owner (or occupied on a part-time basis)
  • Clean-up after a loss, such as after a natural disaster
  • Unattached structures such as sheds, detached garages, barns, greenhouses, etc.
  • Some coverage for loss of use or loss of rent in the event that the home becomes uninhabitable
  • Third party liability coverage

Protection against damage from floods and earthquakes will have to be purchased as a separate policy.

Florida Auto Insurance

Florida Auto Insurance

Click the image above to learn more about auto insurance.

Homeowners Insurance

Homeowners Insurance

Click the image above to learn more about homeowners insurance.

Business Insurance

Business Insurance

Click the image above to learn more about business insurance.

Pin It on Pinterest