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Landlord Insurance in Naples, FL
Safeguarding your rental property through life’s ups and downs.

Protection Despite Life’s Twists and Turns

When you rent out your property to other parties so they can make it their primary residence, a lot can happen that may compromise the integrity of your rental property. In addition to the regular risks associated with homeownership, a landlord is responsible for keeping rental dwellings in perfect working order for one or many tenants at a time. Keep yours secure with landlord insurance that fully protects your tenant dwellings from life’s most expected -as well as unexpected- hazards. Then rest assured with the knowledge that your policy is there to support you if worse comes to worst.

Affordable Auto Coverage You Can Count On

From small emergent repairs to having to rebuild most of your rental home after a weather event or accident, you’ll want a policy that never stops protecting the dwellings and structures you’re tasked with managing to keep you in business longer. Many standard homeowners insurance policies may not cover you at all unless you physically live in the rental home, so it’s always advisable to purchase landlord insurance if you plan to rent a home or apartment out for an extended amount of time.

That’s one of the biggest benefits of a custom landlord insurance consultation. From structure to liability to personal property coverage, we guarantee that we’ll find the best combined policy to fulfill all your rental home protection goals and keep your wallet happy at the same time.

Our Policy Recommendations Go Above and Beyond

We have over 40 years of experience insuring customers across Florida.


The items and situations that tenant dwelling insurance policies typically cover include:

Tenant Dwelling Building(s)

This coverage protects the main rental home in addition to other structures on the property, including garages, swimming pools, fences, walls, and storage buildings.

Personal Property

This coverage protects belongings purposely left within the rental property from damage or theft, such as furniture, clothing, decor, appliances, tools, and electronics.


Protection against mechanical failures of insured equipment.


This coverage protects the main homeowner from liability claims due to tenant bodily injury on the property that you’re deemed responsible for preventing.

Loss of Income

If necessary repairs or an emergency situation leave you unable to rent out your tenant dwelling, this coverage reimburses you for lost income for the time in which the interruption takes place.

Move Back Costs

If you are forced to temporarily relocate tenants to alternative lodgings while an important repair or emergency situation takes place, this coverage helps you pay for costs associated with helping them move back to the rented dwelling once it’s ready to be used again.

Heating or Air Conditioning

This coverage reimburses the landlord from expenses associated with mechanical failures in tenant heating or air conditioning systems.
Your Local Insurance Agency

A Local Name You Can Trust For All Your Insurance Needs

The Muzzi Group is more than an insurance brokerage. We’re our clients’ strongest advocates and most dedicated advisors, helping them reach the levels of protection they need to keep their families and properties safe since 1977. By working with us, you’ll always have access to:

Affordable Rates

Policies to fit every budget, every time. That’s the Muzzi Group guarantee!

Great Savings

We scour the market for the best deals and discounts, so you won’t have to.

Vehicle Protection

Giving you everything you need and nothing you don’t in your property coverage plans.

Comprehensive Coverage

Create the perfect liability umbrella by mixing and matching plans and providers.



Questions? Consult our handy FAQ to get even more in-depth information about the following insurance topics:

What makes landlord/tenant dwelling insurance different from homeowners insurance?
Homeowners insurance policies cover owner-occupied homes while tenant dwelling insurance policies cover liability and damages connected to tenant occupied homes. You’ll need landlord insurance if you do not occupy the same property as your tenant(s) or if you’re partially sharing your home with one or more renters since typical homeowners policies won’t completely cover you for all liability claims or reimburse you for lost rental income.
What is Fair Rental Income?
Coverage included in landlord insurance that helps cover lost rental income up to a specified amount in the event that your property becomes temporarily uninhabitable.
Are other structures on my property covered?
Yes. Separate structures other than the main dwelling (such as garages, fences, or sheds) are typically covered by most policies.

What Our Customers Say

Learn more about us from our satisfied customers’ experiences. 
  • Grasshopper Group Accountant

    Choosing the right insurance coverage for my growing family had never been as easy as it was when I contacted the Muzzi Group, and I don't plan on going back!

    The Wilson Family
  • Grasshopper Group Accountant

    After shopping around for commercial insurance online and from other brokers, I was able to secure the cheapest quote fromThe Muzzi Group II Inc with the desired benefits for my business. I would recommend The Muzzi Group II Inc.

    David Thontron
  • Grasshopper Group Accountant

    When you operate and own a small business, every cent counts. So I appreciate the fact that I found an insurance broker that doesn't just care about making a profit, but also about my business' bottom line and safety in case things go south. Knowing they've got my back is priceless.

    Maximum Movers
  • Grasshopper Group Accountant

    The weather here is unpredictable. The only way you can protect the things that matter is by finding trusted insurance broker who will be with you every step of the way, and that's what the Muzzi Group is for me.

    Alan P

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