Houston Landlords Rental Property Insurance

To request quotes for landlord insurance, simply select one of the dropdown options in the menu above. Smaller residential rental houses or "For Let" properties can usually be insured using a standard rental house insurance form, such as DP1, DP2, or DP3. If you own multiple properties under a common owner and financing entities, you can combine them into a single policy. Each policy can cover up to 10 properties or a total of 20 risks per scheduled policy. There is no limit to the number of scheduled policies you can have.
Typical policy options include the DP1 Basic policy, the DP2 Extended policy, and the DP3 Broad All Risk Insurance. Your coverage can include protection against damages from accidental water discharge, as well as rental income losses through an Owner's Umbrella policy. Additionally, you may want to consider including business auto coverage along with your rental house insurance.

If you have a Duplex, a Triplex, or a 4-Plex investment, it can be covered under either a personal dwelling policy or our commercial insurance policies for landlords, depending on the size and grade of your property. Forms DP1, DP2, and DP3 are available for single-family and multi-unit homes. CP basic property and casualty, extended or special broad forms are also available for scheduled risks or for commercial risks seeking maximum protection. Your policy can include the main living structure and any support buildings. Personal property and contents coverage, extended Accidental Discharge coverage, and owner's income loss coverage, along with personal premises general liability, are also available on all insurance policies.

We offer commercial insurance markets for apartment complexes of all sizes. Our landlord insurance policies can accommodate properties with up to 1,000 rental units. You can bind coverage under our DP1 Basic, DP2 Extended, and DP3 Broad All Risk forms the same day. Our coverage options include both buildings and contents insurance, as well as the liability portion of the homeowner's dwelling insurance policy. We are here to help you meet the insurance needs of your apartment complex. Landlord coverage options include protection against fire, windstorm, and hail, along with extended coverage and rental revenue protection. These landlord options can be selected at the time of purchase or, in some cases, endorsed onto your policy at a later date.

Dwelling landlord insurance programs are available for most insurance needs within the state of Texas for Rented Condo units. Extended Condo insurance with Owners Income interruption coverage available. Condominium risks are limited in coverage as they tend to be supplemental to the Condo Association's own Master Policy. The typical investor requires what is often called the wall coverage to meet the investor's needs. This can be confusing sometimes as you will likely have two different polices covering your home. The master policy for the main structure and the stuff behind the wall. And the unit owners own policy covering what's inside the unit, along with its furnishings and fixtures. Whatever your coverage needs, we have landlord's insurance to fit your property coverage needs.

Coverage for vacant properties can be obtained through the DP1 personal lines form or via commercial lines coverage. This type of insurance is intended for homes that are vacant between occupancies and is applicable to both residential and commercial properties. Typically, vacant property policies are offered for durations of 3 months, 6 months, or 1 year, and may include limited liability options. Property owners are also required to secure the vacant property and arrange for regular inspections and maintenance of the insured property.

Commercial coverage is available for risks up to $350 million per location. Recent covered losses are not an issue, and property risks do not need to be loss-free. We offer commercial rental property coverage through CP monoline or package policies, providing options from Minimum Basic to Extended or Special Broad coverage, tailored to fit your investment needs. Our Commercial Landlord Insurance programs cover individuals, corporations, and LLCs.