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Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
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Personal & Property • Licensed Texas Agency
Compare Texas Landlord & Rental Property Insurance Quotes (DP-3)
Once a home becomes tenant-occupied, a standard homeowners policy no longer protects it properly. Compare open-peril Texas DP-3 landlord policies with Fair Rental Value income protection and $1M premises liability.
✓ Open-Peril DP-3 Forms
✓ Loss of Rental Income
✓ 1–20+ Unit Portfolios
30+ Texas Carriers Compared
Quote Texas Landlord Insurance
Enter your 5-digit Texas ZIP code to launch our guided Texas Landlord Insurance intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Long-Term & STR Markets
Dedicated carriers for 12-month leases, build-to-rent homes, student rentals, and Airbnb/VRBO properties.
Fair Rental Value Included
Reimburses lost monthly rent while your Texas investment property is repaired after a covered fire, storm, or pipe burst.
LLC & Trust Titled OK
Insure properties titled personally, in a Texas Series LLC, single-purpose LLC, or revocable living trust.
What Texas Landlord Insurance covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Open-Peril Dwelling Reconstruction (DP-3): Covers the rental structure, roof, HVAC, and permanently attached fixtures on an open-peril replacement-cost basis.
- Fair Rental Value / Loss of Rents: Replaces 12 months of lost gross rental income while a covered claim renders the unit uninhabitable.
- Landlord Premises Liability ($300k–$1M): Defends you and your LLC against tenant or visitor injury lawsuits alleging unsafe stairs, walkways, pools, or property maintenance.
- Landlord Appliances & Furnishings: Covers refrigerators, washers/dryers, window treatments, and full furniture packages in furnished mid-term or short-term rentals.
- Other Structures: Protects detached carports, fences, storage sheds, and guest casitas on the rental lot.
- Optional Vandalism, Water & Ordinance/Law: Add sudden water discharge, building code upgrade (Ordinance or Law) for older Texas rentals, and premises burglary/vandalism.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- Never Leave a Tenant Rental on an Owner-Occupied HO-3: Carriers routinely deny claims or rescind coverage for occupancy misrepresentation when an owner moves out and leases a home without switching to a DP-3 Landlord policy.
- DP-1 vs. DP-3 Form Difference: Budget DP-1 policies only cover 9 named perils at depreciated Actual Cash Value and often exclude water damage; serious investors insist on DP-3 Special Form Replacement Cost.
- Vacancy Clause (30–60 Days): Most Texas landlord policies suspend vandalism, glass breakage, and water damage if a rental sits vacant beyond 30 or 60 consecutive days between tenants without a vacancy permit.
- Short-Term Rental (Airbnb/VRBO) Disclosure: Transient rentals under 30 nights require an explicit STR-approved carrier—standard long-term DP-3 forms exclude hotel/transient occupancy.
- Require Tenant HO-4 Renters Insurance: Pairing your DP-3 policy with mandatory $100k+ tenant liability keeps small tenant-caused kitchen or water mishaps off your landlord loss history.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Personal or Commercial Umbrella
Extend $1M–$5M of excess liability across your primary home, vehicles, and 1–4 family Texas rental properties.
Smart Texas Pairing
Texas Flood Insurance
Protect rental cash flow and equity in Houston, Austin, San Antonio, and coastal watersheds with landlord flood coverage.
Smart Texas Pairing
5+ Unit Commercial Property
Own a 5+ unit apartment building or mixed-use property? Quote commercial habitational property + GL.
Texas Landlord Insurance — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
DP-1 is basic named-peril Actual Cash Value coverage; DP-2 covers broader named perils; DP-3 is the gold-standard 'open-peril' replacement-cost policy covering all sudden physical dwelling losses except explicit exclusions.
Yes. Many of our landlord and commercial habitational carriers write directly in the name of a Texas LLC, Series LLC, LP, or family trust.
Loss of Rents covers lost rent caused by a covered physical peril (like a fire or storm), not tenant eviction/default. Malicious vandalism can be covered by endorsement, while normal tenant wear-and-tear is handled by security deposits.
Yes! Select Landlord + Homeowners + Auto in our intake—we schedule multiple Texas rental addresses and apply portfolio and multi-policy discounts.
Yes. Simply select 'Short-term / Airbnb / VRBO' in the Landlord intake step so we route your quote to Texas carriers with true transient-guest and amenities coverage.