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Compare Landlord Insurance Agents in Niceville, FL
Compare landlord insurance agents in Niceville. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Niceville, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 2 landlord insurance agents in Niceville, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Cooke Insurance Agency
1189 E John Sims Pkwy, Niceville, FL 32578
(850) 279-4643
cookeinsuranceniceville.com
Niceville Insurance Agency
109 Bullock Blvd, Niceville, FL 32578
(850) 729-2131
nicevilleinsurance.com
A landlord insurance agent in Niceville Florida helps property owners protect their rental investments. Florida law requires specific coverages for rental properties such as windstorm and flood protection. Local agents understand the unique risks of the Niceville area including hurricane exposure and seasonal tenant turnover.
What Does a Landlord Insurance Agent in Niceville 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 Niceville annual premiums often fall between 1500 and 4000 dollars depending on the property value location and coverage limits. Deductibles for wind and hail damage are usually separate and can be 2 to 5 percent of the dwelling value. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does landlord insurance cover in Niceville Florida?
Landlord insurance typically covers the building structure liability protection and loss of rental income. In Florida policies often include windstorm coverage and may require separate flood insurance. Personal property of tenants is not covered by landlord insurance.
Is landlord insurance required by law in Florida?
Florida law does not require landlord insurance but mortgage lenders usually mandate it. If you have a loan on the rental property the lender will require a policy that meets their coverage minimums. Without insurance you risk financial loss from damage or liability claims.
How do I choose a landlord insurance agent in Niceville?
Look for an agent licensed in Florida with experience writing policies for rental properties. Ask about their knowledge of local risks like hurricanes and sinkholes. Compare quotes from multiple agents to find a policy that fits your property type and budget.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.