What Does Landlord Insurance Cover in Texas?

Owning rental property in Texas can be a great investment, but it comes with its own set of risks and responsibilities. Standard homeowners insurance isn’t designed to protect landlords from the unique challenges of renting out a property. That’s where landlord insurance comes in.

At MAKZ Insurance Agency LLC, we help property owners across Texas safeguard their investments. Here’s what you need to know about landlord insurance coverage in the Lone Star State:

What Is Landlord Insurance?

Landlord insurance—sometimes called “dwelling fire” or “rental property insurance”—is a policy designed specifically for people who rent out homes, condos, or apartments. It provides protection for the property owner, not the tenant.

What Does Landlord Insurance Typically Cover?

A standard landlord insurance policy in Texas usually includes:

1. Property Damage

• Covers damage to the building itself (walls, roof, floors, etc.) caused by fire, lightning, wind, hail, vandalism, or other covered perils.

• May also protect detached structures, like garages or sheds.

2. Liability Coverage

• Protects you if someone is injured on your rental property and you’re found legally responsible.

• Helps cover legal fees, medical expenses, and potential settlements.

3. Loss of Rental Income

• If your rental property becomes uninhabitable due to a covered event (like a fire or major storm), this coverage can reimburse you for lost rental income during repairs.

Optional Coverages to Consider

Depending on your needs and the insurance provider, you may also add:

• Flood Insurance: Standard landlord insurance doesn’t cover flood damage. Consider a separate flood policy, especially in flood-prone areas of Texas.

• Vandalism and Theft: Some policies require an endorsement for theft or vandalism coverage, particularly if the property is vacant for extended periods.

• Personal Property: If you provide furnishings or appliances, you can add coverage for your personal property (note: this does NOT cover the tenant’s belongings).

• Legal/Ordinance Coverage: Helps pay for the cost to bring your property up to code after a covered loss.

What’s Not Covered by Landlord Insurance?

• Tenant’s Personal Belongings: Tenants need their own renters insurance to protect their possessions.

• Maintenance and Wear & Tear: Routine repairs and normal aging of the property are not covered.

• Intentional Damage: Damage caused intentionally by the landlord or tenant is excluded.

Why Is Landlord Insurance Important in Texas?

Texas weather can be unpredictable—think hailstorms, hurricanes, and floods. Plus, liability risks can arise any time someone visits your property. Landlord insurance helps protect your investment, your income, and your peace of mind.

Why Choose MAKZ Insurance Agency LLC?

• Local Expertise: We understand Texas property risks and regulations.

• Top-Rated Carriers: Access to leading insurance providers for the best coverage options.

• Personalized Service: Speak directly with a licensed agent for tailored advice.

Ready to protect your rental property?

Call us at 281-912-3338 or request a landlord insurance quote online.