Texas landlord insurance for rental property owners

Cities we commonly hear from in Texas

• Houston
• Dallas
• Austin
• San Antonio
• Fort Worth
• El Paso
• Arlington
• Plano

Investor houses still need a landlord occupancy

Houston, Dallas–Fort Worth, Austin, and San Antonio absorbed years of investor purchases of single-family houses. Many owners live in another metro or another state. A personal homeowners policy that followed the owner from a prior residence is the wrong form once a tenant holds a lease. Lenders on investor loans increasingly ask for a landlord or dwelling policy that matches the occupancy. Quote it that way before the closing checklist does it for you.

The Texas file is still a house-by-house file. A 2018 Plano tract home is not a 1978 Houston ranch with a pier-and-beam foundation and a twenty-year-old composition roof. Year built, roof year, foundation type if you know it, and whether the house is in an HOA all change placement. Put what you know on the form and in comments instead of a generic “updated rental.”

Hail, wind, freeze, and water

Hail is the property conversation that starts many Texas landlord quotes. Roof age and prior hail claims belong in the first message. Deductibles and roof-payment terms vary by market and by county. We do not promise a particular deductible on a public page because the address and roof drive it.

Windstorm exposure along the coast is a separate structured conversation from inland hail. If the property is in a coastal wind-pool geography, say so in comments along with the ZIP. We will not treat a Galveston-area house like a Fort Worth house. Inland, the February freeze lesson still matters: vacant houses, low thermostats, and poorly insulated pipes produce the same claim pattern as other winter states, just on Texas plumbing.

Foundation movement and slab claims are a Texas-specific discussion on some dwellings. A landlord form is not a warranty against soil movement. Disclose known foundation work. Water backup from city lines or a tenant’s overflowing machine is often optional; mention if you want that asked.

HOAs, small multifamily, and what this site will not quote

Attached townhouses and condos may sit under an HOA master policy. Tell us. The owner’s landlord form may be covering interior, liability, and loss assessment rather than the full shell. Detached HOA houses are closer to a standard landlord dwelling but still need the association’s repair rules understood after a loss.

A fourplex in Arlington and a single house in a master-planned suburb are both residential landlord business if the occupancy is rental. Unit count routes the file. This site does not quote tenant personal property, and it does not quote commercial general liability, workers compensation, or a businessowners policy for a retail or contracting operation. Keep those applications off this form.

Request a Texas landlord quote

Select Texas, enter the full property street address, city, and ZIP, unit count, and a desired effective date. Phone and email are required. The consent checkbox authorizes the agency and its agents or affiliates to contact you by phone, email, or text regarding this insurance quote. Message and data rates may apply. Consent is not a condition of purchase. A quote is not a binder.

Investor closings move on lender calendars. If you have a closing date, put it in comments. We contact you as soon as possible; complete files are typically worked within one to two business days. Incomplete ZIPs and missing unit counts are the usual delay.