The top-rated landlord insurance agent in Palm Harbor, Florida is Coleman Insurance Agency, rated 4.9 stars across 414 reviews. Other highly rated options include Reliant Insurance Services, Lizette Cochran - State Farm Insurance Agent, Brightway Insurance, The Harrington Agency. This directory lists 18 landlord insurance agents serving Palm Harbor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Coleman Insurance Agency | 4831 Ruen Dr Suite 200 | (727) 441-9911 |
| 2 | Reliant Insurance Services | 34921 US Hwy 19 N #201 | (727) 335-0335 |
| 3 | Lizette Cochran - State Farm Insurance Agent | 3031 E Lake Rd S | (727) 786-1082 |
| 4 | Brightway Insurance, The Harrington Agency | 31962 US Hwy 19 N | (727) 789-2200 |
| 5 | Gregg Schindler - State Farm Insurance Agent | 2138 US-19 ALT #2-A | (727) 238-8800 |
| 6 | Pam Leonard-Williams - State Farm Insurance Agent | 1410 US-19 ALT C | (727) 785-0413 |
| 7 | Hawk Insurance Group | 31087 US Hwy 19 N | (727) 877-4295 |
| 8 | Whitco Insurance Agency Palm Harbor 👍 | 30832 US Hwy 19 N | (727) 781-5858 |
| 9 | Michael Tow: Allstate Insurance | 33920 US Hwy 19 N Ste 285 | (727) 789-3024 |
| 10 | Mark Gianeskis - State Farm Insurance Agent | 3430 Tampa Rd | (727) 786-6886 |
Coleman Insurance Agency serves Palm Harbor and the surrounding Pinellas County area, offering specialized landlord insurance agent services. It assists property owners with coverage tailored for rental homes and multi-unit dwellings. The company helps clients secure policies that protect against building damage, liability claims, and potential loss of rental income. Its work in this sector addresses the unique risks of managing residential investment properties in this Florida community, including assistance with vacancy endorsements during tenant turnover.
Reliant Insurance Services in Palm Harbor, Florida provides a full range of landlord insurance policies designed to protect rental property investments. Its service plans include comprehensive coverage options for property damage, liability protection, and loss of rental income. The company also offers maintenance plan guidance to help landlords manage routine upkeep and emergency repairs. It services single-family homes, apartment complexes, retail spaces, and restaurants.
Lizette Cochran, a State Farm Insurance agent in Palm Harbor, Florida, provides landlord insurance coverage for homeowners, property managers, and small business owners. She offers policies that protect rental properties from common risks such as property damage and liability claims. Her services help local investors and landlords safeguard their income properties in the competitive Tampa Bay rental market. Lizette Cochran’s agency also serves clients throughout the surrounding communities, including the nearby city of Dunedin.
Brightway Insurance, The Harrington Agency serves Palm Harbor and the surrounding communities in Pinellas County with specialized landlord insurance policies. This agency handles coverages for residential rental properties, including single-family homes and small multi-unit dwellings. Its work focuses on protecting property owners against structural damage, liability claims, and loss of rental income. To address each client’s unique situation, the agency reviews the specific property type, location, and coverage needs thoroughly, then tailors a policy accordingly.
Gregg Schindler - State Farm Insurance Agent in Palm Harbor, FL provides landlord insurance for both one-time and recurring service options, with the former covering a single property and the latter offering ongoing protection across multiple units. Policies typically safeguard rental structures, liability claims, and loss of rental income if a property becomes uninhabitable. Service appointments are scheduled as needed, either for an initial policy setup, an annual review, or when a tenant changes.
As a landlord insurance agent in Palm Harbor, FL, Pam Leonard-Williams at State Farm specializes in policies that protect rental properties and their owners. She works with clients to cover dwellings against common perils like fire, wind, and theft while offering liability coverage for tenant injuries. Her agency also provides options for loss of rental income if a unit becomes uninhabitable. During Florida’s hurricane season, she helps landlords ensure their policies include adequate windstorm protection and understand how deductibles apply after a storm.
As hurricane season approaches in Palm Harbor, property owners need a professional landlord insurance agent to help safeguard their investments from unpredictable storm damage. Hawk Insurance Group works directly with landlords to assess coverage needs specific to Florida rental properties, including liability protection and dwelling policies. The team explains policy options clearly, guiding property owners through the nuances of flood endorsements and vacancy clauses. They begin each client relationship by scheduling a thorough on-site inspection of the rental property to identify potential risks before offering tailored quotes.
Whitco Insurance Agency Palm Harbor in Palm Harbor, FL, is known for providing tailored policies that protect residential rental property investments. Its service range includes coverage for property damage, liability, and loss of rental income, addressing the needs of local landlords. Working within a competitive insurance market, the agency helps property owners assess their specific exposure to common risks like storms and tenant liability. This listing can additionally specialize in adding ordinance or law coverage, which helps owners meet updated building codes after a claim.
Michael Tow: Allstate Insurance provides residential landlord insurance coverage for property owners in Palm Harbor, Florida. The agency also offers commercial coverage options and serves clients throughout the wider Tampa Bay area. A landlord insurance agent works to protect rental properties from common risks such as fire damage, liability claims, and loss of rental income. The office encourages clients to schedule follow-up policy reviews between regular visits to ensure coverage keeps pace with changing property values and local market conditions.
Mark Gianeskis - State Farm Insurance Agent in Palm Harbor, FL works with property owners to evaluate risk and secure appropriate landlord insurance coverage. This includes addressing specialty add-ons such as loss of rental income protection and liability coverage for tenant injuries or property damage. Policies commonly protect against weather-related damage and vandalism. The agent serves landlords with commercial property types such as retail offices, warehouses, and food service operations.
What Does a a Landlord Insurance Agent in Palm Harbor Cost?
The cost of landlord insurance in Florida typically ranges from 25 to 50 percent more than standard homeowners insurance due to hurricane and flood risks. For a single-family rental in Palm Harbor, annual premiums often fall between 1500 and 4000 dollars depending on property value, location, and coverage limits. Costs can increase significantly for older roofs or properties in high-risk flood zones. This is general information and not insurance advice.
About landlord insurance agents in Palm Harbor
Landlord insurance agents in Palm Harbor Florida help rental property owners secure coverage tailored to local risks such as hurricane damage and liability. Florida law requires landlords to disclose specific insurance details to tenants under Florida Statute 83.51. Working with a knowledgeable agent ensures your policy meets state requirements and protects your investment.
Frequently Asked Questions
What does landlord insurance cover in Palm Harbor Florida?
Landlord insurance typically covers the dwelling structure, liability protection, and loss of rental income. In Florida, policies often include windstorm and flood coverage due to hurricane risk. Coverage limits vary based on property value and location.
Is landlord insurance required by law in Florida?
Florida law does not require landlord insurance, but most mortgage lenders require it for rental properties. Additionally, Florida Statute 83.51 requires landlords to maintain certain property standards, and insurance helps meet those obligations. It is strongly recommended to protect against liability and property damage.
How do I choose a landlord insurance agent in Palm Harbor?
Look for an agent licensed in Florida with experience in rental property coverage. Ask about their knowledge of local risks like sinkholes and hurricanes. Compare quotes from multiple agents to find a policy that fits your needs.
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