Your guide to
Rental Property Insurance in Texas
A rental property is both an investment and a responsibility. Our agency helps you understand how landlord insurance differs from a homeowners policy and how to protect the home, your rental income and your liability.
What it covers
Common landlord coverages
A landlord or dwelling policy is designed for a home you rent to others. What is included varies from one policy to the next, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Dwelling
Helps pay to repair or rebuild the rental home after a covered loss, such as fire or wind damage.
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Other structures
Can cover detached structures on the rental property, like a garage, shed or fence, depending on the policy.
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Lost rental income
If a covered loss makes the home unlivable, it can help replace the rent you lose while repairs are made.
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Liability
Can help protect you if you are found responsible for someone's injury or property damage at the rental. It may be included or added, depending on the policy.
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Your property at the rental
Can cover items you own and keep at the rental for tenants to use, such as appliances or furnishings, depending on the policy.
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Why it matters
Renting out a home changes what you need
A standard homeowners policy is generally written for a home you live in. Once you rent the property to someone else, you may need a landlord or dwelling policy that reflects how the home is actually used.
Vacancy between tenants and short-term rentals can also affect coverage. Reviewing your policy whenever your rental situation changes can help you avoid surprises after a loss.
Consider asking tenants to carry renters insurance, since a landlord policy generally does not cover their belongings.
Answers
Rental property insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
A homeowners policy is generally meant for a home you live in. If you rent the property out, talk with our agency about whether a landlord or dwelling policy is a better fit.
Generally, no. It is designed to protect the building and your own property, so tenants usually need their own renters insurance for their belongings.
Many policies limit or exclude certain losses when a property has been vacant for an extended period. Check your policy's vacancy terms and let us know if the home will sit empty.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.