Landlord Insurance
Coverage for property you rent out — the structure, your liability as a landlord, and income you'd lose if the unit becomes unlivable.
Coverage highlights
- Dwelling coverage for a property you rent to tenants
- Liability protection if a tenant or visitor is injured on the property
- Loss of rental income if a covered event makes the unit unrentable
- Optional coverage for landlord-owned appliances and fixtures
- Built for a tenant-occupied property, not a standard homeowners policy
Why it matters here
Whether you're renting out a single property near the Harwin corridor or managing a few units across Texas, a standard homeowners policy isn't built for a home you don't live in. We help landlords get coverage that matches an actual rental arrangement, tenant risk included.
FAQ
Can I just keep my homeowners policy once I start renting the property out?
No — once a property is tenant-occupied, it generally needs a landlord (dwelling) policy instead of a standard homeowners policy, which can otherwise deny a claim tied to rental use.
Does landlord insurance cover my tenant's belongings?
No — your tenant's personal belongings are their responsibility to insure, typically through their own renters insurance. Your landlord policy covers the structure and your liability.
What if my rental becomes uninhabitable after a covered loss?
Loss-of-rental-income coverage can help replace the rent you'd otherwise be missing while the property is repaired.