Saint Petersburg, FL · Member since 2013 · 1 post · 0 votes
Hi All,
Been searching Google, and found this forum. Quick question from me. Can I have home owner insurance and land lord insurance at the same time which billed directly to me??
If you have homeowner insurance, it means that you live in the insured premises. If you have landlord insurance, it means that you have a tenant renting the premises. I imagine that if you have a 2 to 4 unit multi-family where you live in one of the units, that having both might be possible; I've never done that so I can't say with certainty.
Presuming you are talking about having both policies on the same property, the answer - here anyway - would be "No". Taking Steve Babiak example of a 4-plex where you reside in one unit. You would have "landlord" insurance on the property, then you would also have tenants insurance on the possessions in your unit.
There is a good chance this could be handled differently in Florida.