Home Insurance · Texas
Landlord & Rental Property Insurance in Texas
Rental properties need different coverage than the home you live in. Landlord insurance protects the building, your liability and your rental income.
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Landlord / Rental Property coverage options
Dwelling
The structure of your rental property.
Landlord liability
Injury claims from tenants or guests.
Loss of rents
Replaces rental income if a covered loss makes the unit unlivable.
A standard homeowners policy usually doesn't cover a home you rent to tenants. Landlord insurance (sometimes called a dwelling fire policy) covers the structure, your liability to tenants and guests, and lost rent if a covered loss makes the property unlivable.
Your tenants' belongings aren't covered by your policy, so many landlords require tenants to carry renters insurance. If you own several rentals, a personal umbrella adds extra liability protection across all of them.
Who we insure
- Single-family rentals
- Duplexes & fourplexes
- Condo rentals
- Short-term rentals
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Reference
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FAQ
Landlord / Rental Property insurance FAQ
Does my homeowners policy cover a rental property?
Usually not. Rentals need a landlord (dwelling fire) policy.
Do you insure short-term rentals?
Some carriers do. Short-term rentals need specific coverage, so tell us how the property is used.