Landlord Insurance in Texas
A rental needs a landlord (DP) policy, not a homeowners policy — filing on the wrong form is how claims get denied. I write single rentals and multi-property portfolios across Texas, from a duplex in Fort Worth to a dozen doors in Houston.
What landlord coverage includes
- Dwelling and other structures on the rental property
- Loss of rental income after a covered loss
- Premises liability for tenant and guest injuries
- Landlord-owned contents such as appliances
- Options for short-term rentals, long-term leases, and vacant periods
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
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Landlord insurance FAQs
How much is landlord insurance in Texas?
Landlord insurance typically runs about 15–25% more than a homeowners policy on the same house — often $2,000–$4,000 a year in Texas depending on county, roof age, and whether the rental is short- or long-term.
What's the difference between landlord and homeowners insurance?
A homeowners (HO-3) policy assumes you live there. A landlord (DP-3) policy covers the structure plus loss of rental income and premises liability, and drops the personal-property assumptions that don't apply to a tenant-occupied home.
Can I insure multiple rental properties on one policy?
Yes. Several carriers write multi-property landlord programs that put your whole portfolio on one schedule with one renewal date, which is usually cheaper and far easier to manage than separate policies.
Is landlord insurance required in Texas?
The state doesn't require it, but any lender with a mortgage on the property will, and the wrong policy form can void a claim. Most leases also assume the owner carries it.
Landlord insurance across Texas
I'm licensed statewide (Texas License #3530322) and write landlord insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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