Help for Landlords

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Looking for low cost Florida dwelling fire insurance for a rental home?

With high Florida home insurance and outrageous property taxes its never been harder for landlords like you to control costs.

There are only 20 home insurance companies offering dwelling fire insurance in Florida. Not all of them are open in your area.

Subscribing to our buyers guide database will help you:

  • Save money by getting quotes from as many of these 20 companies as you can.
  • Find a stable Florida homeowners insurance company that will be around to pay your Florida hurricane claim.
  • Save hours of research time finding these companies and getting quotes from their agents.

Our on-line guide helps you find, screen, and contact affordable Florida dwelling fire insurance companies fast!

Get the guide.

How many Florida dwelling fire insurance companies on the list below have you contacted? Skip even one company and you'll overpay for Florida dwelling fire insurance.


Number of Florida dwelling fire insurance companies open for new business by County:

Alachua 20   Flagler 19   Lake 19   Polk 19
Baker 16   Franklin 14   Lee 16   Putnam 17
Bay 12   Gadsden 17   Leon 20   Santa Rosa 16
Bradford 16   Gilchrist 15   Levy 18   Sarasota 16
Brevard 16   Glades 13   Liberty 10   Seminole 20
Broward 13   Gulf 14   Madison 15   St. Johns 20
Calhoun 13   Hamilton 15   Manatee 17   St. Lucie 16
Charlotte 16   Hardee 15   Marion 20   Sumter 18
Citrus 18   Hendry 17   Martin 15   Suwannee 15
Clay 19   Hernando 9   Nassau 20   Taylor 13
Collier 16   Highlands 19   Okaloosa 19   Union 11
Columbia 19   Hillsborough 15   Okeechobee 19   Volusia 20
Dade 14   Holmes 16   Orange 20   Wakulla 19
Desoto 14   Indian River 15   Osceola 19   Walton 15
Dixie 14   Jackson 16   Palm Beach 14   Washington 16
Duval 20   Jefferson 15   Pasco 9  
Escambia 16   Lafayette 12   Pinellas 15

We'll help you save big on Florida dwelling fire insurance

Home Insurance Buyers Guide, LLC is an independent consumer organization designed to help you find low cost Florida dwelling fire insurance.

Follow news coverage in the Florida media about our service.

Our on-line database will help you find, screen, and contact dwelling fire insurance companies in Florida that want to cover your rental home.

Watch a live video on how you can use our guide to save big on Florida dwelling fire insurance.

You'll get the lowest cost Florida dwelling fire insurance coverage because our service will help you contact all the companies open for business in your area.

Get the guide.

Put Your dwelling fire insurance in Florida out to bid

Get the lowest cost Florida rental home insurance possible by:

  • Contacting all Florida dwelling fire insurance companies - not just the ones represented by your agent.
  • Avoiding quote generator websites that sell your personal information to insurance companies and their agents.
  • Making sure you don't miss out on getting a Florida dwelling fire insurance quote from a company you don't know about.

Get the guide.

Eliminate the worst Florida dwelling fire insurance companies

The Florida dwelling fire insurance market is now made up in large part by companies that were created in the last five years.

Many of these companies are thinly capitalized and inexperienced.

Over 50% of Florida dwelling fire insurance companies lost money during the last twelve months. Three of those companies failed financially and were taken over by the state.

If your not paying attention to the quality of the company you are with you should be.

Select the wrong company and you might experience delays and run the risk of having your Florida dwelling fire insurance claim underpaid after the next hurricane.

An underpaid, delayed claim payment won't be good news if you have a leaky roof or mold in your house after the next storm.

We've given each company a Buyers Guide Rating© on a scale of "1-10". This gives you a simple way to compare each Florida dwelling fire insurance against each other.

These Florida dwelling fire insurance company ratings are based on each company's financial stability, industry experience, risk diversification, and customer service.

You'll get a clear idea of which Florida dwelling fire insurance companies we feel are the best.

Our ratings range from a low of "5.0" to a high of "9.2".

You would have been able to easily find the three companies in our guide that failed during the past twelve months. They had an average Buyers Guide Rating© of "5.7" before we took them out of our guide.

Our Buyers Guide Rating© system makes it easier for you to find and eliminate thinly capitalized Florida dwelling fire insurance companies that don't have much experience in the industry.

These companies appear at our near the bottom of our ranked list so you can focus on the dwelling fire insurance companies that have the best chance of surviving the next Florida hurricane.

Get the guide.

Save time in your search for Florida dwelling fire insurance

In just minutes you'll be able to:

  • Eliminate companies with a low Buyers Guide Ratings© and make a short list of only the companies you want to contact.
  • Use our underwriting guidelines to rule out Florida dwelling fire insurance companies that won't cover your home because it is too old or too close to the coast.
  • Quickly find agents for the companies you are most interested in using our handy agent locators.

Get the guide.

Florida dwelling fire insurance is hard to find so act now!

For only $19.99 you'll get two weeks access to our buyers guide database for Florida dwelling fire insurance companies.

You'll have plenty of time to find, screen, and contact good companies that will help you save big.

If you're familiar with Florida dwelling fire insurance you know that a service like this will pay for itself many times over.

Find even one lower priced dwelling fire insurance company and you'll get huge savings.

Don't let $19.99 prevent you from saving a lot more on Florida dwelling fire insurance.

Act now and in just minutes you'll be on your way to affordable, Florida rental home insurance!

Get the guide.

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Are you a Florida landlord with a rental home in Florida?

If your Florida rental home is covered under a traditional home insurance policy, one of your biggest investments might be at risk if it has the wrong kind of insurance coverage.

And you might be surprised to know that getting the right Florida dwelling fire coverage costs a lot less than your existing Florida home insurance policy.

Find out now where you can find Florida dwelling fire insurance coverage that can save you thousands of dollars on your Florida rental home.

Avoid your worst nightmare - having your Florida home insurance claim denied after the next Florida hurricane.......................

Imagine the worst case. You are at your primary residence in a state other than Florida when your telephone rings.

It's bad news.

Your tenant or neighbor is on the line telling you that Florida has just been hit by another hurricane - again!

Your Florida rental home has major damage including a leaky roof and a collapsed screen enclosure. You know from prior experience that this kind of damage could be a major Florida home insurance claim that might cost over $50,000! Not exactly something you can afford to pay out of your own pocket.

Your first thought is to relax. After all you have Florida home insurance coverage on your property so there is no need to worry.

It's a long drive to Florida but you are on your way to meet the insurance adjuster being sent out by your Florida home insurance company to inspect the damage to your home.

You arrive at your Florida home only a few minutes ahead of the adjuster. You can tell right away that your Florida rental home has massive damage. Your tenants are standing outside waiting for you and they don't waste any time asking you where you are going to put them up for the night - the leaky roof means that they can't stay in your Florida rental home until repairs are made. Your Florida tenants also ask you if they have to pay the next months rent since they can't live in your home until it is fixed.

A few minutes later the Florida insurance company adjuster arrives to inspect your home. He's friendly to you as he makes notes about the damage, listens to the hurricane war stories from your tenants, and notices that your car has an out of state license plate.

You are surprised he doesn't stay very long. As he is leaving, he tells you that you will receive a letter in the mail from your Florida home insurance company on the status of your claim in a few days.

You turn to your tenants, tell them that you will take care of them, and leave quickly in your car.

A week later, a thin envelope arrives in your mail from your Florida home insurance company. It's a short letter thanking you for your business and informing you that your $50,000 Florida home insurance claim will not be paid.

Why? Because the coverage on your home is a traditional Florida home insurance policy designed for those who occupy their home on a full time, year round basis. It is not coverage designed for Florida landlords with rental homes.

While you had a great conversation with the friendly adjuster from the insurance company, it was obvious to him that this Florida home was not your primary residence - just the opening your Florida home insurance company needed to get out of paying your claim!

Through no fault of your own, you ended up with the wrong home insurance coverage on your Florida rental home.

If this nightmare scenario happens to you, it wouldn't be the first time in history someone has been sold the wrong type of insurance coverage and it won't be the last.

The coverage you need in this situation is called Florida dwelling fire insurance. Most people have never heard of it and don't know how to ask for it by name.

You can avoid the risk that your claim won't get paid if you work with a professional home insurance agent to purchase the right type of Florida dwelling fire insurance for your rental home.

Your insurance agent might recommend dwelling fire insurance for your Florida home if it is rented out to others on a regular basis.

Now that you know that you need Florida dwelling fire insurance for your rental home, why can't you just call up any Florida home insurance agent and buy it?

In most states you could, but it is a lot harder to do in Florida.

Why? Because of the ongoing Florida home insurance crisis.

Since Hurricane Andrew in 1992 and made a lot worse by the 2004/2005 Florida hurricane seasons, Florida home insurance is overpriced and in short supply. More and more Florida home insurance companies continue to leave the state every day leaving most of us wondering who is still open for business.

The shortage of Florida insurance for those who purchase traditional home insurance for a primary residence they occupy year round has spilled over into home owners like you who need Florida dwelling fire insurance for homes they rent out or only occupy for part of the year.

That doesn't make things easier for Florida landlords like you.

Florida Property taxes on rental properties are sky high and are not protected by the "Save Our Homes" exemptions. If your home was bought during the boom using an adjustable rate loan, you are facing higher payments at a time when your Florida rental home is worth a lot less. In addition, the flooded Florida real estate market makes it impossible for you to sell your Florida rental home. If you are a Florida landlord facing negative cash flow, the last thing you want to do is overpay for Florida dwelling fire insurance.

During times like this, how are you supposed to make the right choice when buying Florida landlord insurance or Florida dwelling fire insurance for your rental or second home? And which Florida home insurance agents should you contact to find it?

Fortunately, you're just minutes away from all the secrets to affordable Florida dwelling fire insurance - coverage that can save you thousands on your Florida rental or second home.

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida dwelling fire insurance.

Who are we and why should you listen to us.............

Home Insurance Buyers Guide, LLC is an independent organization founded in 2007 with only one goal - to help Florida landlords and second homeowners like you to find, screen, and contact all of the Florida home insurance companies still writing new dwelling fire insurance business in Florida.

We've been covered by Florida Today, The Palm Beach Post, The St. Petersburg Times, The Sarasota Herald Tribune, The Miami Herald, and the Daytona Beach News Journal. The major wire services carried the launch of our website and our reports on the Florida dwelling fire insurance marketplace. Finally, our newsletter Florida Homeowner Insurance Alert is widely read across the State of Florida.

Why are we in the news? Because we are the first organization to put all the secrets about Florida dwelling fire insurance in one place - so owners of Florida rental or second homes like you can use them to save thousands on Florida dwelling fire insurance.

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida landlord insurance.

We follow the Florida dwelling fire insurance market very closely.

Before we ever sold one subscription to our on-line buyers guide, we spent one full year analyzing the Florida dwelling fire insurance market.

And quite frankly, we were astonished by how hard it is for owners of Florida rental homes to find affordable Florida dwelling fire insurance.

  • According to the Florida Office of Insurance Regulation, there are over 500 Florida home insurance companies licensed to sell Florida dwelling fire insurance. So we were shocked to learn that only 16 were actively writing new dwelling fire insurance policies in Florida.
  • It's even harder to find affordable South Florida dwelling fire insurance companies still writing new business.
  • Dwelling fire insurance in Florida is a lot harder to find than owner occupied, traditional Florida home insurance.

Why is Florida dwelling fire insurance in such short supply?

Let's face it - Florida dwelling fire insurance companies don't want the additional risk that comes with Florida rental homes.

Florida rental homes have tenants in them that sometimes engage in risky behavior that you as the landlord can't always control that increase the risk of lawsuits - this can be anything from owning vicious dog breeds to installing trampolines and above ground swimming pools that can increase the risk of accidents.

Florida rental homes also can sometimes be vacant for long periods of time. Vacant Florida rental homes have a higher risk of vandalism and theft when they are unoccupied. Vacant homes can also have a higher risk of vandalism and theft when they are unoccupied. Vacant homes can also have water leaks and other problems that can lead to water and mold damage if undetected until it is too late.

This situation has made Florida dwelling fire insurance coverage harder to find as more and more Florida home insurance companies have stopped offering it.

But here is the silver lining.

If you can find Florida dwelling fire insurance it can cost a lot less than traditional Florida home insurance. Why? Because Florida dwelling fire insurance is usually limited to covering only the structure and not the contents of the home. Florida home insurance companies don't have to factor in paying the cost of claims from theft or damage to the contents of the home.

What's the best way to find Florida dwelling fire coverage? Use our buyers guide database to find it.

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida dwelling fire insurance.

During our one year of researching the Florida dwelling fire insurance market we were not encouraged by what we found:

  • A typical Florida home insurance agent doesn't represent all of the Florida home insurance companies still writing new dwelling fire business. Picking a Florida home insurance agent out of the phone book is a hit or miss proposition. You run a high risk of not getting Florida dwelling fire quotes from all the companies writing new business. And you run the risk of having to buy your Florida dwelling fire coverage from Citizens. Don't take that risk when looking for Florida landlord insurance.
  • Other Florida home insurance agents don't give all Florida rental homeowners the same access to all the Florida dwelling fire insurance companies the represent. Some will help you with your Florida rental home insurance only if you give them your auto and life insurance business.
  • Some Florida dwelling fire insurance companies don't have websites. Others with websites don't have locators to help you find a Florida home insurance agent that represents them. If you call them directly, you might be on hold for hours. Our service will help you find Florida insurance agents for all of the Florida dwelling fire insurance companies that want to cover your Florida rental home.

All of what we learned inspired us to create The Home Insurance Buyers Guide - the hidden path to affordable Florida dwelling fire insurance for landlords and second homeowners - a unique combination of Florida dwelling fire insurance companies along with the Florida home insurance agents representing them so that you end up with more quotes on your Florida rental home.

We've combined all of our knowledge of the Florida dwelling fire insurance market in one convenient on-line database to give you all the best secrets to affordable Florida dwelling fire insurance on your rental home in just minutes.

We give you a simple way to find, screen, and contact all of the Florida dwelling fire insurance companies who want to cover your rental home - before you ever speak to an agent.

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida landlord insurance.

But don't take our word for it. Listen to what owners of Florida rental or second homes have to say about how our service helped them:

"Your service saved me $719 on Florida landlord insurance in Panama City Beach. Thank you!"

Ed A. - Bay County Rental Home Owner

"I was out of options for finding Florida dwelling fire coverage for my home in Stuart until I saw your site in the Palm Beach Post. I'm very concerned about Citizens Insurance and did not want them to cover my Florida home."

Stephanie H. - Martin County Home Owner

"My Central Florida home insurance agent was recommending Citizens to cover my home. I found 3 other companies using your site and saved $410!"

William O. - Sumter County Home Owner

"Thank you for helping me to find two alternative Florida dwelling fire insurance companies."

Matthew S. - Santa Rosa County Rental Home Owner

"I didn't have any options left for dwelling fire coverage on my Melbourne home until I used your service. Thank you for your help on the Space Coast!"

Carol M. - Brevard County Home Owner

"I saved $1,215 on dwelling fire insurance for my Tampa rental home!"

Jennifer M. - Hillsborough County Rental Home Owner

"The Florida dwelling fire coverage I had on my Fort Myers rental home was with a company I thought was too new and too small. Thanks for helping me find 4 other options for landlord insurance in Southwest Florida."

Elaine B. - Lee County Rental Home Owner

"This is the only way to find affordable Florida landlord insurance in Lakeland!"

Monica H. - Polk County Rental Home Owner

"You helped me find 2 new dwelling fire insurance companies in Central Florida for my Orlando rental home. The one I picked saved me $1,200. Thanks to you my rental home finally breaks even every month."

Paul K. - Orange County Rental Home Owner

"Your service helped me keep my Sarasota rental home out of Citizens Insurance and saved me $603 on landlord insurance in Florida."

Susan N. - Sarasota County Rental Home Owner

These Florida landlords and second homeowners didn't get these results by using only one Florida home insurance agent. And they didn't save this kind of money from a quick tip on the street. These home owners didn't want to risk overspending on Florida dwelling fire insurance and took the time to get the facts. They used our service and never left the comfort of their own home or office to do it.

What about you? Are you ready to get all the secrets to Florida dwelling fire insurance?

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida dwelling fire insurance.

How much money in Florida dwelling fire insurance savings are you willing to miss out on if there is even one additional Florida home insurance company that wants to cover your home that you don't know about?

Do you want to risk purchasing Florida dwelling fire insurance from a company that won't be around after the next Florida hurricane?

What would it mean to you if you could save $1,200 a year on Florida dwelling fire insurance on your rental home? Would $100 per month finally allow you to have break even cash flow on your rental home? Would it be the difference between continuing to keep the home as an investment or giving the home back to the bank through a short sale or foreclosure?

In this difficult Florida rental market, don't take a chance that you will overpay on Florida dwelling fire insurance.

Take action now by subscribing to The Home Insurance Buyers Guide!

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida landlord insurance.

In just minutes you'll have two weeks access to our on-line database with all the inside information you need to find Florida dwelling fire insurance:

  • The names of private Florida dwelling fire insurance companies still writing new business in your county so that you can gete quotes from as many companies as possible and save thousands.
  • Access to a real system that helps you screen each Florida dwelling fire insurance company from best to worst using our Buyers Guide Rating© to help you narrow the field to a "short list" of companies in minutes!
  • A list of underwriting guidelines for each Florida dwelling fire insurance company so you can clearly see which companies want to cover your Florida rental home.
  • Contact information for Florida insurance agents representing the companies writing new business for Florida rental homes.

The Home Insurance Buyers Guide gives you everything you need to save thousands of dollars on Florida dwelling fire insurance - a continuously updated, highly accurate database at your fingertips so that you don't have to do endless research to stay on top of a constantly changing market.

As an insider, you'll be surprised about how much you can save on Florida dwelling fire insurance.

You're just minutes away from more companies, more options, and more savings!

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida dwelling fire insurance.

But that's not all you'll get...........

As a subscriber we'll tell you all the secrets of the Florida dwelling fire insurance market in your county:

  • The companies writing new Florida dwelling fire business in the Citizen Wind pool.
  • How far away from the coast your Florida rental home can be to get coverage.
  • The Florida dwelling fire insurance companies covering the oldest homes.
  • Florida dwelling fire companies that are restricting coverage on Florida wood frame homes.

In just minutes, you'll have all the inside information on Florida dwelling fire insurance - data that took us over one year to find.

When you think about it, can you name any other place in Florida where you can get this kind of real time information on Florida dwelling fire insurance?

Where else can you find secrets that will help you save thousands of dollars on Florida dwelling fire insurance?

Can you name any other information source that tells you which Florida dwelling fire insurance companies to pursue and which ones to avoid?

How much time and money on your Florida dwelling fire insurance can you save by having this information at your fingertips?

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida landlord insurance.

What would you expect to pay for all of this?

If you found even one lower priced Florida home insurance company that you didn't know about, one additonal quote could easily save you $500 on your dwelling fire insurance. $500 would make a huge dent in the negative cash flow on your Florida rental home. But the buyers guide doesn't cost $500.

$250 would make sense considering all the time you won't have to spend shopping for a Florida dwelling fire insurance policy. But you won't pay $250 for the buyers guide either.

$100 would be a steal if the buyers guide database saved you enough money to help you keep that Florida rental home. But the buyers guide costs a lot less than that.

$50 would be a fair price if the guide helped you avoid even one thinly capitalized Florida dwelling fire insurance company that might fail after the next Florida hurricane. After all if your Florida dwelling fire insurance company fails, at the very least you will experience a significant delay in getting your claim paid - losing valuable time and the use of your Florida home while your claim is being processed after the State of Florida takes possession of your failed company.

But you won't pay $50 either.

We want to share the secrets to affordable, Florida dwelling fire insurance at a price that's affordable to all Floridians.

That's why we're making your buyers guide subscription available now for the low introductory price of only $19.99 for access to the Florida county of your choice - much less than you would pay for an auto or electronics consumer guide that can't begin to save you what your buyers guide subscription can save you on Florida dwelling fire insurance.

Smart Florida rental home owners like you know that $19.99 is a trivial amount to spend for a service that has the potential to save you up to $1,200 a year on Florida dwelling fire insurance - that's $100 per month of additional positive cash flow on your Florida rental home.

Take action now by subscribing to The Home Insurance Buyers Guide. Your just minutes away from more options, more quotes, and more savings.

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida dwelling fire insurance.

If that's not enough, there's more!

As a subscriber to our community you can:

  • Rate your satisfaction with your Florida dwelling fire insurance company.
  • Share competitive Florida dwelling fire insurance quotes with other Floridians.

And we're still not done...............

You also get:

  • A free subscription to our quarterly eZine - Florida Homeowner Insurance Alert" emailed to you as it is published. It includes featured guest columnists written by the best minds working on the Florida homeowners insurance crisis, along with updates on the Florida dwelling fire insurance market.
  • Privacy - No Florida dwelling fire insurance company or Florida insurance agent will contact you. When you are ready to buy Florida dwelling fire insurance, you decide whether to make contact with a Florida home insurance agent. No one from The Home Insurance Buyers Guide will contact you.
  • Independence - We will not accept any compensation of any kind from Florida dwelling fire insurance companies or their agents. We help you find, screen, and contact private Florida dwelling fire insurance companies writing new business. You decide which companies to contact.

When you think about it, what's $19.99 compared to how much you could save on Florida dwelling fire insurance?

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida landlord insurance.

Let's face it. You simply don't have the time to research all of the Florida dwelling fire insurance companies when you are trying to manage your Florida rental home. Let us do the hard work for you - and make sure you are presented with all of your options.

After all the time and effort you've spent maintaining and paying for your Florida rental home, nothing would be worse in this Florida real estate market than to overpay for new Florida dwelling fire insurance with a no name company that might fail.

Florida Landlords who don't have this information will be on the outside looking in - subsidizing your savings on dwelling fire insurance in Florida and relying on a home insurance agent who can't possibly present them with all of their Florida dwelling fire insurance options.

Don't be left on the outside while everyone else buying Florida dwelling fire insurance saves all the money.

Your just minutes away from all the secrets to affordable, Florida dwelling fire insurance - secrets that other Florida rental home owners won't take the time to find out. Secrets that will help you save thousands and help you ride out the downturn in the Florida real estate market.

Act now, while there are still good Florida dwelling fire insurance companies to choose from.

Get the guide.

Watch a live video demonstration on how you can use our guide to save thousands on Florida dwelling fire insurance.

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