Legal Question in Landlord & Tenant Law in Florida

Ah, I understand what you want to do. You have to give the landlord written notice of her failure and opportunity to correct it - before the rent is due. Her failure could be failure to give you quiet enjoyment of the property and other things with more info. However, if you are behind on rent, you breached the lease first. If you leave the tenancy, she must try to mitigate her damages by making a good faith effort to find another tenant, and you are only liable for the months when the space is vacant.

Several different avenues here. I cannot recommend one based upon your question.

If the lease requires you to have liability coverage, then you must have that or you are in breach and can be evicted. You can eliminate her appearance by making sure that she has a check on the day it is due.

I agree that if the lease requires you to have liability coverage, then you should do so. You can be evicted for not having coverage if required or for not paying the rent. You may have some other options. I recommend that you speak with an attorney and have them review your lease.