OIR Market Information Reporting · as of 2025-09-30

Florida landlord insurance is not the OIR homeowners average

Search results for “Florida landlord insurance cost” often mix HO-3 and DP-3. The only official county averages this site will publish are Florida OIR homeowners and condo-unit-owner premiums including wind. They are a placeholder in the calculator, not a bindable landlord quote.

Published 2026-10-18· Updated 2026-10-19· Figures retrieved 2026-10-18 · OIR as of 2025-09-30.

County averages are homeowners and condo-unit-owner premiums including wind coverage, from Market Information Reporting. They are not landlord (DP-3 / dwelling fire) averages. OIR states actual charged premium varies by company, insured value, deductibles, and terms.

Florida Office of Insurance Regulation, Property Insurance Stability Report (January 1, 2026)

Not found, and therefore not invented: a Florida OIR county average for landlord / DP-3 dwelling-fire policies. Third-party blogs quote statewide DP-3 ranges; we do not reprint those as if they were official I-4 county figures.

OIR homeowners-with-wind averages, I-4 counties

County	Homeowners with wind	Condo unit with wind
Hillsborough County	$3,514	$1,344
Pinellas County	$4,044	$1,381
Polk County	$2,771	$1,151
Osceola County	$2,911	$1,278
Orange County	$3,585	$1,285
Seminole County	$3,527	$1,196
Volusia County	$2,819	$1,171
Lake County	$2,642	$1,102
Brevard County	$3,560	$1,445

Source: Florida Office of Insurance Regulation, Property Insurance Stability Report (January 1, 2026), data as of 2025-09-30.

Flood is a separate line

We do not assign a county-average flood premium. Look up the building. Maps: FEMA Flood Map Service Center. The calculator adds flood only if you mark flood zone yes and enter a premium.

Use as a calculator placeholder Property tax reset

How much does Florida landlord insurance cost in I-4 counties?

Florida OIR does not publish a county average for landlord / DP-3 dwelling-fire policies. The official figures on this site are homeowners-with-wind averages as of 2025-09-30 (Hillsborough, Pinellas, Polk, Osceola, Orange, Seminole, Volusia, Lake, and Brevard are tabulated on the insurance page). Use those only as a labeled placeholder and replace them with a landlord quote. Source: Florida OIR Quarterly Supplemental Report, Market Information Reporting.

Is the OIR homeowners average the same as DP-3 landlord insurance?

No. HO-3 / homeowners policies cover owner-occupied homes. Landlord policies are typically DP-3 / dwelling fire. This site found no official OIR landlord-policy county average, so it does not invent one. Third-party blogs quote statewide DP-3 ranges; those are not reprinted here as I-4 county figures.