Landlord & Rental Property Insurance

Landlord Insurance Quotes for Rental Property Owners in Georgia & Florida

Whether you own a single-family rental, a small multifamily building, a vacant property, or a growing investor portfolio, Pinnacle Risk Advisors will help you review coverage options and shop available markets.

Start My Landlord Quote

Serving rental property owners in Georgia, Florida, South Carolina, and Texas.

DP1 & DP3 Coverage Review
Loss of Rents Coverage
Liability & Lender Requirements
Licensed Insurance Support
Who This Is For

Rental Property Owners We Help Get Covered

We work with individual landlords and real estate investors across Georgia and Florida. If you own income-producing or investment property, we can help you review your coverage options.

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Single-Family Rental Owners

Landlords renting out one or more single-family homes to tenants, including long-term and short-term rentals.

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Duplex, Triplex & Fourplex Owners

Small multifamily property owners with two to four units seeking dwelling fire or landlord coverage.

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Vacant & Renovation Properties

Owners of vacant homes, properties under renovation, or between tenants who need specialized vacant property coverage.

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Investor Portfolios

Real estate investors managing multiple rental properties who need coverage reviewed across their entire portfolio.

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Small Apartment Building Owners

Owners of small apartment buildings or multifamily properties with five or more units seeking commercial landlord coverage.

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Out-of-State Investors

Investors owning rental properties in Georgia or Florida who need a local agent familiar with state-specific markets.

Coverage Options

Coverages We Help Review

Every rental property and landlord situation is different. We help you understand your coverage options and review what markets may offer for your specific property type and location.

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DP1 & DP3 Dwelling Coverage

Dwelling fire policies (DP1 basic form and DP3 special form) for rental property structures.

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Loss of Rents / Loss of Income

Coverage for lost rental income when a covered loss makes your property temporarily uninhabitable.

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Landlord Liability

Liability protection for bodily injury or property damage claims arising from your rental property.

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Vacant Property Coverage

Specialized coverage for unoccupied homes, properties between tenants, or homes under renovation.

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Lender-Required Coverage

Coverage review to help ensure your policy meets your mortgage lender or lienholder requirements.

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Umbrella & Excess Liability

Additional liability limits above your base policy for landlords seeking broader protection.

Before You Begin

What We Need to Quote Your Rental Property

Gathering these items ahead of time will help us provide the most accurate quote. You don't need everything—share what you have and we'll follow up if anything else is needed.

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Property Address

Full address of the rental property, including city and state.

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Property Type & Occupancy

Whether the property is a single-family rental, duplex, vacant, or under renovation.

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Roof Age & Construction

Year the roof was last replaced and roof material, if known. Carriers often ask.

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Current Coverage

A copy of your current declarations page, if you have one, helps us understand your existing limits.

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Prior Losses

Any property insurance claims in the last three to five years, including type and amount paid.

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Lender Requirements

If you have a mortgage, your lender may require specific coverage limits or loss payee language.

Get Your Quote

Start Your Landlord Insurance Quote

Complete the form below and a Pinnacle Risk Advisors agent will review your property details and reach out with coverage options.

01Your Contact InformationRequired to follow up on your quote
02Property DetailsTell us about the rental property
03Upload Declarations PageOptional — fastest way to share your details

Prefer not to type it all? Upload your declarations page and we'll pull the rest.

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Current Policy / Declarations Page
PDF, JPG, PNG — optional
ℹ️

Submitting this form does not bind coverage or create a policy. Pinnacle Risk Advisors will review your information and reach out to discuss available options. Coverage is subject to carrier underwriting and approval.

We typically respond within one business day.

Optional — already covered the essentials above. Add more here (or upload your dec page) for a faster, more complete quote.

Building & ConstructionAll optional
Flag Federal Pacific (FPE), Zinsco, knob-and-tube, or aluminum wiring — carriers scrutinize these.
Coverage Preferences
FL policies carry a separate wind/hurricane deductible (often 2–5% of Coverage A).
Occupancy Detail
Liability Hazards
Additional Loss & Coverage Detail
Georgia & Florida Specifics
OIR-B1-1802 wind mitigation report can drive major premium credits in FL.
Additional UploadsAll optional
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Loss Runs (3–5 years)
PDF, XLS, CSV — optional
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Property Photos
Front, back, sides, roof — JPG/PNG/PDF
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4-Point / Wind Mit Inspection
PDF — optional
Why Pinnacle

Why Work With Pinnacle Risk Advisors

We are an independent insurance agency serving landlords and rental property investors in Georgia and Florida. We shop multiple carriers to find coverage that fits your property and budget.

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Independent Agency

We are not tied to a single carrier. We review options from multiple markets to find the best fit for your rental property.

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Georgia & Florida Focus

We understand the landlord insurance markets in Georgia and Florida, including coastal and high-wind requirements.

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Coverage Review

We help you understand DP1 vs DP3, loss of rents, liability limits, and lender requirements before you decide.

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Investor-Friendly

Whether you own one rental or a growing portfolio, we work with landlords at every stage.

How It Works

The Pinnacle Quote Process

01
Submit Your Property Details

Complete the short form above with your contact info and rental property details. Upload your current policy if you have one.

02
We Review Your Account

A Pinnacle agent reviews your property type, occupancy status, and existing coverage to identify the right markets for your situation.

03
We Shop Available Markets

We reach out to carriers that write landlord and dwelling fire coverage in Georgia and Florida and gather competitive options.

04
We Present Your Options

We walk you through the coverage options, explain the differences between policies, and answer any questions you have.

Ready to Get Covered?

Get a Landlord Insurance Quote for Your Rental Property Today

Tell us about your property and we will help you review coverage options for your rental, vacant home, or investor portfolio in Georgia and Florida.

Start My Landlord Quote

Quote Request Received

Thank you. Your landlord insurance quote request has been received. Pinnacle Risk Advisors will review your property details and contact you if anything else is needed.

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