Fudge Insurance is a Florida based insurance agency helping to advise and ensure vacation rental homes and the property managers who service them. The Fudge Insurance team consists of dedicated agents with decades of experience across multiple states ensuring against the unique risks that accompany the vacation rental industry. With the coverage options for Short Term Rental or Vacation Homes and Long-term Rental Insurance, you can protect your homes from damage or loss to theft or vandalism, fire, or natural disasters.
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- Short Term Rental or Vacation Homes insurance policies are standard for homeowners covering owner-occupied properties. This policy does not cover homes that are kept for rental or are not owner-occupied. For instance, if you rent your homes out weekly or monthly or if you occupy your vacation homes occasionally, you will need a policy that pertains to these circumstances.
- Long-term Rental Insurance includes Dwelling Fire Insurance covering damage and legal liability for homes that are not occupied by the owner or are owned by a corporation. The Dwelling Fire Insurance coverage includes single-family homes, condos, and apartments; and vacation homes and second homes.
In the case of a fire or damage, the Dwelling Fire Insurance will cover sudden or accidental loss or damage; houses not occupied by the owner or on a part-time basis; clean-up due to a natural disaster; structures that are unattached such as a detached garage, shed, barn, or greenhouse; third-party liability coverage, and more. To obtain protection against damage due to a flood or earthquake, a separate policy must be purchased.
For more information about how Fudge Insurance can provide you with better coverage at an affordable rate for your vacation rental homes, please click here to learn more!