The top-rated landlord insurance agent in New Smyrna Beach, Florida is Berlin & Denys Insurance, rated 5.0 stars across 365 reviews. Other highly rated options include Buddy Davenport - State Farm Insurance Agent, Coastal Claims Services, LLC, Stan Harrison - State Farm Insurance Agent. This directory lists 13 landlord insurance agents serving New Smyrna Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Berlin & Denys Insurance | 110 S Orange St | (386) 427-4510 |
| 2 | Buddy Davenport - State Farm Insurance Agent | 1305 State Rd 44 | (386) 426-2886 |
| 3 | Coastal Claims Services, LLC | 2650 N Dixie Fwy | (386) 314-0074 |
| 4 | Stan Harrison - State Farm Insurance Agent | 402 Canal St | (386) 427-5277 |
| 5 | Tonya Tichnell - State Farm Insurance Agent | 155 Colony Park Rd | (386) 428-0979 |
| 6 | Melanie Emanuel: Allstate Insurance | 530 Canal St | (386) 427-0500 |
| 7 | Smith & Associates Insurance-New Smyrna Beach | 508 Canal St | (386) 409-8004 |
| 8 | Mark Daniel Sr: Allstate Insurance | 2236 FL-44 | (386) 426-6000 |
| 9 | Allstate Insurance Agent: Norm Daniel Co. | 2236 FL-44 | (386) 426-6000 |
| 10 | WFG Insurance | 100 Faulkner St | (386) 295-4252 |
Berlin & Denys Insurance in New Smyrna Beach, FL provides comprehensive landlord insurance services covering property protection, liability coverage, and loss of rental income for residential and commercial property owners. Their service offerings include custom policy reviews and risk assessments to help landlords maintain adequate coverage as their portfolios evolve. They assist with policy adjustments for maintenance needs and tenant turnover. The agency services single-family homes, apartment buildings, retail spaces, and restaurants throughout the local area.
Buddy Davenport - State Farm Insurance Agent serves the New Smyrna Beach, Florida area as a landlord insurance agent. This agency provides property coverage designed to protect rental dwellings from common risks such as fire, windstorm, and liability claims. Policies are tailored to help local landlords safeguard their investment properties and rental income. Typical services include dwelling protection for single-family rentals and multi-unit properties, along with personal liability coverage for property owners.
Coastal Claims Services, LLC in New Smyrna Beach, FL serves residential landlords and property managers seeking coverage for rental properties. The agency assists clients in finding insurance tailored to protect rental income and assets against common coastal risks. Policies available often address property damage and liability exposures typical for local landlords. Claims guidance helps navigate the process after an incident occurs. The company also extends its services to landlords and property managers in the nearby Daytona Beach area.
Stan Harrison - State Farm Insurance Agent serves New Smyrna Beach, FL, and the surrounding communities in Volusia County. It handles landlord insurance policies tailored for rental property owners, covering structures, liability, and loss-of-rent scenarios in a coastal market prone to storm risks. For each typical job, the agency begins with a detailed review of the property's exposure, then structures coverage limits and deductibles to match the client's financial protection needs.
Some landlord insurance clients require a one-time policy for a single rental property, while others need recurring coverage for multiple units, updating annually as their portfolio changes. Tonya Tichnell - State Farm Insurance Agent in New Smyrna Beach, FL, provides coverage for property damage, liability protection, and loss of rental income tailored to local real estate demands. These policies protect against common risks like storm damage affecting seasonal tenants. Service runs on an as-needed basis, whether for a new policy, a claim inquiry, or an annual renewal review.
Melanie Emanuel: Allstate Insurance specializes in securing property coverage solutions tailored for landlords, navigating the unique risk profiles of rental properties in the coastal community of New Smyrna Beach, Florida. The agency also provides broader personal and commercial insurance services to local property owners and residents. Policyholders receive guidance on matching liability limits and dwelling protection with local rental market demands. It specifically assists owners managing seasonal vacation rentals, ensuring coverage gaps are addressed during peak tourist influx and hurricane season activity.
After a major storm or seasonal shift, rental property owners near New Smyrna Beach often reassess their coverage needs. Smith & Associates Insurance-New Smyrna Beach provides landlord insurance agent services in this coastal area. They assist property owners with policies that typically address dwelling protection, liability coverage, and loss of rental income following a covered claim. Routine risks like hurricane damage and tenant-related issues are common considerations in this region. Their process usually begins with a thorough inspection or initial-assessment step to identify property-specific exposures before recommending any coverage.
Mark Daniel Sr: Allstate Insurance assists property owners in New Smyrna Beach with securing coverage for rental dwellings. The agency specializes in tailoring policies that address common landlord exposures, including liability protection and loss of rental income. Commercial clients such as office parks and storage warehouses can obtain customized insurance packages to mitigate various operational risks. The agency also provides coverage for food service establishments, helping restaurant owners manage unique liability and equipment protection needs.
Allstate Insurance Agent: Norm Daniel Co. in New Smyrna Beach, FL is a local provider focused on landlord insurance solutions. Their services cover policies that protect rental property owners from common financial risks, including property damage and liability claims typical in the area. The agency works with clients to structure coverage that addresses both long-term tenant occupancy and seasonal vacation rentals common along the coast. They can also add on specialized coverage for loss of rental income during property repairs.
WFG Insurance provides residential landlord coverage for property owners in New Smyrna Beach, FL, addressing rental structures and liability needs. The agency also offers commercial policies for larger rental properties or mixed-use buildings throughout the surrounding area. Coverage recommendations are based on local flood and storm considerations typical to the region. After initial policy setup, clients can return for regular coverage reviews or schedule follow-up appointments before each new lease cycle begins.
What Does a a Landlord Insurance Agent in New Smyrna Beach 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 New Smyrna Beach, annual premiums often fall between 1,500 and 4,000 dollars, depending on the property value, location, and coverage limits. Factors like the age of the roof, proximity to the coast, and deductible amounts also affect pricing. This is general information and not insurance advice.
About landlord insurance agents in New Smyrna Beach
A landlord insurance agent in New Smyrna Beach Florida helps property owners protect their rental investments. Florida law requires landlords to maintain certain property standards and insurance can cover liability, property damage, and loss of rental income. Local agents understand the unique risks of coastal properties and hurricane exposure.
Frequently Asked Questions
What does landlord insurance cover in New Smyrna Beach Florida?
Landlord insurance typically covers the dwelling structure, other structures like fences, and personal property used for maintenance. It also provides liability protection if a tenant or guest is injured on the property. In Florida, many policies include coverage for wind and hurricane damage, though a separate windstorm deductible may apply.
Is landlord insurance required by Florida law?
Florida law does not require landlords to carry insurance, but mortgage lenders usually require it. Additionally, Florida Statute 83.51 requires landlords to maintain the property in a habitable condition, and insurance helps cover costs if repairs are needed. Many landlords also require tenants to carry renters insurance.
How do I choose a landlord insurance agent in New Smyrna Beach?
Look for an agent who specializes in rental property insurance and has experience with Florida coastal risks. Ask about coverage for hurricane damage, flood insurance options, and liability limits. Compare quotes from multiple agents to find a policy that fits your property type and budget.
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