Landlord insurance · Texas
Landlord insurance for Texas rental property
Renting out a home, condo or duplex changes your risk. A rental dwelling policy is built for it, and we’ll help you pair it with the right liability protection.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a landlord policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Dwelling
The rental structure itself, plus garages, storage buildings and fences.
Landlord contents
Appliances and furnishings you provide for tenant use.
Premises liability
Claims when someone is injured on the property and you’re held responsible.
Loss of rental income
Rent you lose while a covered loss is being repaired. Sometimes optional.
Optional umbrella
Extra liability above your landlord policy limits.
Optional flood
Rising-water damage, usually excluded from landlord policies.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Owners renting a home or condo for six months or more a year
- Investors with one or several rental properties
- Homeowners converting a former residence into a rental
- Landlords who want tenants carrying renters insurance
Smart steps before you rent
- Keep the property maintained. It protects your tenants and reduces liability claims.
- Have an attorney review your lease language.
- Require tenants to carry renters insurance.
- Consider holding rental property in an LLC, and ask your attorney and CPA how that affects coverage.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Can I use my homeowners policy for a rental?
Usually not once it’s rented long-term. Homeowners policies are designed for owner-occupied homes, and a rental dwelling (landlord) policy is designed for tenant-occupied ones.
Does my landlord policy cover my tenant’s belongings?
No. Tenants need their own renters policy for their belongings and personal liability.
Is loss of rental income included?
It depends on the carrier and policy form. In some policies it’s standard, in others it’s an option. We’ll point it out when we compare.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Ready to review your landlord coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.