Why landlords request proof of insurance Landlords routinely require tenants (especially long-term tenants, vacation rental tenants, or those leasing whole properties) to provide proof of insurance coverage or name the landlord as an additional insured. The reasons include: Ensuring the unit/house is insured in case of damage (fire, windstorm, vandalism) which could otherwise expose the landlord’s investment. Protecting against liability claims (guest injuries, property damag

Living near Florida water — whether it’s the Atlantic surf in Boca Raton and Deerfield Beach or the quieter canals of Palm Coast — changes what you should expect from renter’s insurance. Standard renters policies are useful and inexpensive, but they have important gaps that matter more the closer you live to the water. Below I explain what typical policies do and don’t cover, how coastal geography (oceanfront vs. canal) changes your risk and your premium, and exactly what to

Rethinking the Traditional Security Deposit in Florida For many years, landlords have relied on security deposits as a financial safeguard against unpaid rent, property damage, or lease defaults. But in recent years, evolving tenant expectations, increased competition for quality renters, and changes in state law have encouraged landlords to explore alternatives  that reduce move-in cost burdens while still protecting the property owner. For landlords in Palm Beach, Broward,

What Is the Live Local Act? The Live Local Act , enacted on July 1, 2023 , is one of Florida’s most significant housing initiatives in recent decades. Designed to expand access to affordable and workforce housing , the law aims to encourage private developers to build and maintain rental units that are attainable for middle-income workers—such as teachers, nurses, and first responders—who often earn too much to qualify for traditional affordable housing yet still struggle wit

As Florida continues to refine its landlord-tenant laws, renters in Palm Beach, Broward, and Flagler counties should pay attention to several changes and proposed amendments that may affect their rights, notice periods, deposits, disclosures, and protections. While Florida law largely preempts local ordinances in the residential rental sphere, local implementation and county/city practices can cause variation in how changes play out on the ground. Below are key developments i

Florida is well known for sun, sand, and sea—but increasingly, it’s the state’s lifestyle and culture that are driving its real estate...

Florida is well known for its sunshine, beaches, and vibrant tourism—but the state’s homes and living spaces often tell equally vivid...

When people envision life in Florida, they often conjure up images of palm-lined beaches, open-air patios, saltwater breezes, and...

When it comes to rental properties, first impressions matter. Prospective tenants often make their decision within moments of stepping...

The COVID-19 pandemic fundamentally altered the landscape of education. As schools and universities transitioned to remote or hybrid...

For decades, the term “snowbirds”  has referred to retirees from colder northern states and Canada who flock to warmer southern...

Mike Norris and Cornelia Manfre, leading to a runoff in November in Palm Coast. These candidates bring new perspectives to the table.