It’s July, and with Florida’s hurricane season in full swing, now is the time to make sure you, your belongings, and your investment properties are protected.
Hurricanes don’t just bring wind and rain—they bring risk. And the best way to manage that risk is through preparation and proper insurance coverage.
Whether you're a renter or a property owner, here's what you need to know.
Renters: Insurance Isn’t Just a Good Idea—It’s Essential
Many tenants don’t realize that their landlord’s insurance does not cover personal belongings. If your apartment floods or a storm damages your electronics, clothes, or furniture—you’ll need renters insurance to recover.
Renters Insurance Can Help Cover:
Storm damage to your belongings
Alternative housing if your unit is temporarily unlivable
Liability for accidents inside your unit
Theft during or after an evacuation
💡 Heads up: Most renters policies do not include flood insurance unless you add it. In Florida, that’s a smart add-on.
Choose the Coverage That’s Right for You
You’re free to explore third-party insurance providers and find a policy that fits your needs.
Popular options include:
Lemonade
Assurant
Allstate
GEICO
Progressive
State Farm
Policies are often quick to set up online and start around $10–$20/month. Be sure to check what is and isn’t included—especially storm, wind, and flood coverage.
Owners: Protect Your Investment Before the Storm Hits
If you own rental properties in Florida, this is your annual reminder to review your landlord insurance policy.
A comprehensive policy should include:
Windstorm and hurricane coverage
Flood insurance (typically separate from standard coverage)
Loss of rental income protection
Liability coverage for tenant or visitor injuries
Protection against tree damage, water intrusion, and electrical surges
Regular reviews of your coverage can make all the difference in how quickly your property and income bounce back after a storm.
Hurricane Preparedness Tips for Renters & Property Owners
Insurance is a big part of storm readiness—but it’s not the only step. Here are a few smart ways to prepare now:
For Renters:
Create an emergency kit with water, non-perishable food, flashlights, batteries, medication, and important documents.
Take photos of valuable belongings in case you need to file a claim.
Unplug electronics before evacuating.
Know your evacuation zone and routes.
Download local weather and alert apps.
For Property Owners:
Trim trees and remove loose items that could become projectiles.
Inspect windows, doors, and roof for weaknesses.
Store digital copies of insurance policies and photos of the property pre-storm.
Secure outdoor items like grills, furniture, and trash bins.
Schedule routine inspections for gutters, sump pumps, and drainage systems.
Being proactive now can help prevent bigger losses later—and makes recovery faster and smoother for everyone.
📆 Don’t Wait for the Storm to Start Preparing
If there’s one thing we’ve learned in Florida, it’s that weather changes fast. A sunny day can turn into a full-blown storm warning in hours. Make sure your insurance, emergency plans, and property are ready—well before the next alert.
Insurance = Peace of Mind
At Mayfair Property Management, we care deeply about protecting our residents and property owners.
The right preparation today can save you stress, money, and time tomorrow.
👉 Need help getting storm-ready? Start by reviewing your policy and contacting an insurance provider for guidance. And as always, we’re here if you have questions about how to protect your rental property year-round.
