Florida and Gulf Coast insurance should be a concern. 

Our actual carriers used to be Secura, but they seem to be getting out of a lot of insurance lines or pricing so high as to have customers drop off, and we just moved policies in Nov. to Hanover Insurance. 

While we don’t have state income tax here we do have the hurricane tax that comes with high insurance premiums and little real insurance benefits/help when it’s needed.

Wind is one of the subtle items that Insurance companies are starting to exclude. 

Insurance call around and get quotes. 

Even if they had renters insurance, it comes with a $500 - $1,000 deductible just like your insurance.

I have home owners insurance should i buy another landlords policy as well?

I generally prefer higher since I don’t plan on putting in small claims, it’s basically just for catastrophic loses and the savings in premiums over multpiple properties for multiple years should balance that out if I have ever have to use the insurance.

The insurance payout also impacts your taxable gain.

Claims" are an insurance matter.