Owning rental property in Texas is a smart investment—but it comes with risks. Landlord insurance protects against property damage, liability claims, and lost rental income so you can continue to build equity with confidence.
What’s Covered?
- Property Damage – Covers fire, storms, vandalism, and tenant damage.
- Liability Protection – Shields you from legal claims if a tenant or visitor is injured on your property.
- Loss of Rental Income – Reimburses you if your rental unit is uninhabitable due to a covered loss.
- Optional Add-Ons – Cover appliances, HVAC systems, and additional liability concerns.
Landlord Insurance FAQs
Is landlord insurance required in Texas?
It’s not legally required, but most mortgage lenders require coverage, and it’s essential to protect your rental property. If the home is rented it is not eligible for a “regular” homeowners policy.
Does landlord insurance cover tenant damage?
It depends. Accidental tenant damage may be covered, but intentional damage typically is not.
What if my rental property is vacant?
Standard landlord policies may not cover vacant homes. You may need a separate vacant property endorsement.
Does landlord insurance include flood coverage?
No, flood insurance must be purchased separately.
Secure Your Rental Property Today
Ensure your investment is fully protected. Get a personalized landlord insurance review for a single property or your entire portfolio today. We have special programs for investors with 4+ properties in their portfolio.
