Compare available landlord insurance options for your Florida rental home, duplex, or multifamily property. I review building coverage, rental income, and liability alongside wind coverage, roof terms, and hurricane deductibles.
Four short steps · No documents needed to start · Work directly with Derrick Brown
Your property's occupancy, construction, and use help determine which markets and coverage forms fit. Tell me what you own, and I’ll review the options available for your situation.
Coverage reviews for homes rented to tenants, including dwelling fire and landlord policy options.
Help reviewing building protection, rental income coverage, and liability options for properties with two to four units.
Apartment and larger multifamily risks may need commercial property and liability forms, depending on the building and market eligibility.
Review multiple locations together. Depending on the properties and market, individual policies or portfolio programs may be available.
Between tenants or preparing a property to rent? I’ll review vacancy restrictions and options for the work being done.
Own rentals in Florida but live elsewhere? Work directly with me by phone, email, or the online quote form.
Start with the details you know. You can select “Not sure” where needed.
Coastal and inland rentals can have different market options. Share the address, roof details, occupancy, and insurance history so I can review the coverage available for your specific property.
Start with roof age and type if known, construction, and major building updates. Existing inspection reports can be emailed after your request; you do not need them to begin.
I’ll review the property’s location and available wind options. Wind damage and flooding need separate attention when comparing a policy’s protection.
Share your closing or renewal date and any lender requirements. Request a review early: approaching storms may restrict new coverage or policy changes, depending on the market.
A statewide average cannot tell you what your rental property will cost to insure. The property address, building coverage amount, construction, roof condition, occupancy, and insurance history help determine the quotes available for your situation.
Start with your address, property type, number of units, and roof details. Coastal exposure and building characteristics can affect eligibility and pricing.
Compare quotes using the same building limit, rental income limit, and liability limit. Review wind coverage, hurricane deductibles, roof settlement, and exclusions before choosing.
Tell me whether tenants occupy the property, whether it is vacant or being renovated, and whether you have prior claims or a lapse in insurance. Those details help me shop appropriate markets.
Share your property details in four steps. I’ll review available markets and explain the terms offered.
Complete four short steps about your contact information, property, and insurance history. Review your answers before sending.
You’ll receive an email acknowledgment, plus a text if you opt in. I review requests during business hours and follow up if I need more information.
I explain available quotes, coverage terms, and payment options so you can decide how to proceed. Quote timing depends on the property and underwriting.
After submitting, you can print or save a PDF copy of your answers. Supporting documents can be emailed afterward.
Coverage is not identical across landlord and commercial property policies. I’ll review what is offered, the limits, and the exclusions for each available option.
DP1 and DP2 generally cover specified causes of loss. DP3 generally provides broader protection for the dwelling unless a cause is excluded. That does not mean every loss is covered or every item is settled at replacement cost.
For apartment buildings and other eligible risks, commercial property forms may be the appropriate option. I’ll review the form that fits your property and explain any important limitations.
Water backup, equipment breakdown, umbrella or excess liability, vacancy options, and portfolio programs may be available. Eligibility and terms vary by market and property.
The premium is only one part of the decision. These details help you understand how a policy could respond when you need it.
Confirm whether wind is included, excluded, or addressed through a separate policy, and review the applicable terms before proceeding.
Review the deductible in dollars as well as any stated percentage. If a 2% deductible applies to a $300,000 dwelling limit, that deductible is $6,000; the policy determines how it applies.
Check replacement cost, actual cash value, roof payment schedules, and restrictions. Roof age and condition can affect eligibility and the terms offered.
Do not assume wind or hurricane coverage includes flood or storm surge. I’ll discuss separate flood needs and review water damage and backup options.
If available, email wind mitigation or four-point reports after submitting. Qualifying features may affect eligibility or credits, depending on the policy and market.
Review building limits, valuation, vacancy or renovation restrictions, and whether loss of rents is offered after a covered property loss.
Send your property details to start a coverage review.
I’m the founder of Pinnacle Risk Advisors, an independent insurance agency based in Atlanta and licensed in Florida. From your first quote request to policy questions, you have a direct point of contact.
I shop available markets based on your property, occupancy, and insurance history, then help you compare the coverage offered.
One property or several, I’ll review ownership details and options for your current locations and future purchases.
Questions about a quote, a policy change, or a claim? Contact me directly at (770) 758-3197 or dbrown@pinnacleriskad.com.
Your premium depends on the property and the coverage offered. Location, building limits, construction, roof condition, occupancy, and insurance history can affect pricing and eligibility. Submit your details for a property-specific review instead of relying on a statewide average.
Compare the same building, rental income, and liability limits, then check deductibles, wind coverage, roof settlement, exclusions, and any inspection requirements. I help you review those differences so you can choose among available options for your property.
Do not assume it does. Wind damage and flooding are different exposures. Flood and storm surge typically require separate flood coverage; policy terms determine what is covered.
No documents are required to start the quote request. If you already have reports, you can email them afterward. A market may request inspections before offering or binding coverage; qualifying mitigation features may support credits where available.
Standard homeowners coverage is generally intended for an owner-occupied home. Tell me how the property will be used so I can review landlord coverage or other appropriate options with the market.
Yes. I review single-family rentals, small multifamily properties, apartment buildings, and portfolios. The available coverage form and program depend on the buildings, occupancy, and market eligibility.
Include that in your request. Vacancy and renovation can change eligibility or restrict coverage under an existing policy. I’ll review options for the property’s current use and the work being performed.
Have your contact information, property address, occupancy, roof age if known, insurance history, and desired start date ready. Select “Not sure” where available. You can email your current policy or supporting documents after submitting.
The website sends an acknowledgment email after a successful submission, plus a confirmation text if you opt in. I review requests during business hours. A completed quote may require additional information or underwriting review.
Yes. After submitting, use Print / Save PDF on the confirmation page. Choose Save as PDF in your browser’s print window or select your printer. Save your copy before leaving the page.
No. The form is a quote request. Coverage is subject to underwriting approval and must be confirmed as bound before it takes effect.
Independent commercial insurance for landlords, truckers, and business owners across Georgia and Florida.
2700 Cumberland Pkwy SE, Atlanta, GA 30339