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Texas landlord & rental property insurance

Single-family rentals, duplexes, and growing portfolios across Texas, from Houston and Dallas to the Gulf Coast. We compare dwelling fire and landlord programs from multiple A-rated markets and walk you through the wind, hail, and flood questions that matter most in Texas.

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Who it's for

Built for owners like you

Single-family & 2–4 unit rentals

Tenant-occupied homes, duplexes, triplexes, and fourplexes.

Investors & LLC owners

Multiple doors, LLC ownership, and portfolios that grow every year.

Financed purchases

DSCR, conventional, or hard-money loans that need evidence of insurance to close.

Vacant & renovation

Properties between tenants or under rehab, reviewed case by case.

Coverage

What we can put in place

Coverage, limits, and deductibles depend on the carrier, the property or operation, and the policy issued. We explain each one before you decide.

Dwelling (DP-1 / DP-3)

DP-3 is typically open-peril on the building with replacement-cost options. DP-1 is a basic named-peril form, often on actual cash value. We explain which fits your property and your lender.

Landlord liability

Protects you if a tenant or visitor is injured and alleges the property's condition was at fault. We review limits against what you own, and an umbrella can add more.

Loss of rents / fair rental value

Replaces lost rent while a covered loss makes the unit unlivable. Limits and time periods vary by policy.

Wind & hail

Many Texas policies carry a separate wind/hail deductible, often a percentage of the dwelling limit. We show you that deductible in dollars before you choose.

Flood

Landlord policies exclude flood. We quote NFIP and private flood, which matters across Harris County and the coast, including outside high-risk zones.

Vacancy & renovation

Standard dwelling policies often restrict coverage once a property has been vacant for about 60 days. Vacant and rehab properties need the right policy or endorsement.

Usually not covered

These typically need a separate policy or endorsement.

Flood (separate policy)
Tenants' belongings (tenants need renters insurance)
Wear, maintenance, and foundation settling
Mold (often limited or excluded)
Extended vacancy without the right endorsement

What we need to quote

Have these ready and we can approach the right markets the first time.

Property address and year built
Square footage, construction type, roof age and material
Occupancy: tenant-occupied, vacant, or under renovation
Current declarations page and 5-year loss history
Lender / mortgagee details for the EOI
Owner name: individual or LLC
Windstorm certificate of compliance (WPI-8) for coastal properties, if applicable

Gulf Coast & TWIA windstorm

In the designated Texas coastal counties, wind and hail are frequently excluded from the standard dwelling policy. We help you apply for Texas Windstorm Insurance Association (TWIA) coverage where the property is eligible, or review private wind options, so the building isn't left without wind coverage. TWIA eligibility generally requires a windstorm certificate of compliance for qualifying construction or repairs.

FAQ

Common questions

Once a home is rented to tenants, a standard homeowners (HO-3) policy usually isn't the right form. Rentals are written on a dwelling fire (DP) or landlord policy designed for non-owner-occupied property.

Usually, but often with a separate wind/hail deductible. In designated coastal counties, wind may be excluded and covered instead through TWIA or a private wind policy. We confirm this before you bind.

No. Flood requires a separate NFIP or private flood policy. NFIP policies generally have a 30-day waiting period, so it's best not to wait for a storm forecast.

Yes. The policy should name the correct entity as the insured, and your lender should be listed as mortgagee.

Yes. Once the policy is bound, we send the evidence of insurance (EOI) and mortgagee information to your lender. Binding timing depends on carrier underwriting.

Yes, through markets that write vacant and renovation dwelling coverage. Tell us how long the property will be vacant and the scope of work.

This page is general information, not a policy or a binder. Actual coverage, limits, exclusions, and eligibility depend on the policy issued, carrier underwriting, and state rules. Coverage is not in force until confirmed in writing.

Ready to compare your options?

Free, no-obligation quote. A licensed agent reviews every request and explains what's covered, what's excluded, and what it costs.

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