A house you rent to someone else is not insured by the policy you had when you lived there. The landlord form covers the building you own. The tenant's policy covers the tenant. Mixing those up is how a kitchen fire becomes an argument.
What it covers
The dwelling, on the perils in the form. A DP-3 is a common open-perils choice for the building. Your appliances and your furnishings, if you insure them. Liability for injuries arising out of the property you own. Loss of rents, if you add it, after a covered loss. Other structures such as a fence or a shed, if the form includes them.
What it doesn't cover
The tenant's furniture, clothes, and liability. Flood. Wear, and a maintenance problem that is not a sudden loss. Rent a tenant does not pay. A short-term rental the form excludes. A home business the tenant runs, beyond what the form allows. Your own auto.
Florida specifics
Wind and the hurricane deductible apply to a rental the same way they apply to a residence, and the percentage can be large. Roof age still decides whether a company will write the house. Flood is separate, and a tenant's contents are not on your flood policy. If the house is vacant between tenants, say so. Vacancy changes the coverage on many forms after a stated number of days.
How we help
Tell us whether the lease is annual or short-term, the roof year, and whether you want loss of rents. We shop dwelling forms and we will tell you if the use is outside what those companies write. Start a home quote and say it is a rental, or call either office. If you own several, list them. One policy rarely covers an unnamed second house.