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☀️ Florida · Apartment & Multi-Family Insurance

Apartment & Multi-Family
Insurance in Florida

Property · General Liability · Loss of Rents · Umbrella — licensed Florida specialists with 20+ years of commercial insurance experience.

📍 Licensed in FL · TX · CA · AZ · GA · WA · DC

Free Florida Quote

We respond within one business hour.

🔒  Your info is never shared or sold
Licensed in Florida
20+ Years Experience
Independent — 6 Carriers Shopped
Investors & Owner-Operators
Same-Day Quotes

Protecting Florida Apartment Owners for 20+ Years

Secure Risk Partners is licensed in Florida and specializes in multi-family apartment insurance for property owners across the state. Florida's booming rental market comes with significant hurricane risk and rising insurance costs — we help owners find the right coverage.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
700K+
Rental Units in FL
Strong
Rental Demand
Hurricane
High Risk State

Florida apartment owners face significant hurricane property exposure and rising insurance costs

Workers' comp is required for Florida businesses with 4 or more employees. Hurricane coverage is critical for all Florida apartment properties.

Every Coverage Florida Apartment Owners Need

We write all of these for Florida apartment owners and real estate investors — individually or as a complete package.

🏗

Property Insurance

Building, common areas and owner's property at replacement cost. Hurricane and windstorm coverage strongly recommended.

🤝

General Liability

Slip and falls in common areas, tenant injury claims and third-party property damage.

📉

Loss of Rents

Replaces rental income lost when a covered loss makes units uninhabitable. Essential if you rely on rent to cover expenses.

⚠️ Recommended

Umbrella / Excess Liability

Extends your liability limits above your underlying GL policy. Strongly recommended for all multi-unit owners.

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Crime & Employee Theft

Employee dishonesty coverage for property managers and maintenance staff who handle rent payments or keys.

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Workers' Compensation

Required for businesses with 4+ employees in Florida — competitive placement available.

We Know Florida Real Estate. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Florida and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Florida Apartment Insurance FAQ

What coverages does a Florida apartment owner actually need?
At minimum: property, general liability and loss of rents. We also strongly recommend an umbrella policy for any multi-unit owner and workers' comp if you have maintenance or management staff.
Is hurricane coverage included in my Florida apartment property policy?
Not automatically. Hurricane and windstorm coverage is often a separate endorsement or policy in Florida. Given the catastrophic loss potential, we strongly recommend comprehensive hurricane coverage for all Florida apartment owners.
Do you cover small landlords with just a duplex or fourplex?
Yes. We cover everything from 2-unit duplexes to large apartment complexes. Small landlords often need commercial coverage rather than a personal landlord policy — we make sure you have the right type of policy for your property.
What is an umbrella policy and do I need one?
An umbrella policy extends your liability limits above your underlying GL policy. For apartment owners, a serious tenant injury claim can easily exceed standard GL limits. We recommend umbrella coverage for all multi-unit property owners.
How quickly can you get a Florida apartment quote?
Same day in most cases. We need basic details — location, number of units, year built, square footage and current coverage — and we can have options in front of you within hours.
Can you cover an apartment building undergoing renovation?
Yes. We work with carriers that cover properties under renovation. Coverage terms depend on the scope of work and occupancy during construction. Call us to discuss your specific situation.

Ready for Your Florida Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

📞 Call (469) 983-2600 Now

Get Your Florida Apartment Quote

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant