Landlord Insurance

Professional liability protection for service businesses

Renting out residential property in Texas creates significant liability and property risks that standard homeowners policies don't cover. Landlord insurance provides essential protection for rental properties, liability exposure, and lost income from tenant issues, property damage, and lawsuits. Whether you rent out a single house in Fort Worth or own multiple properties across Texas, proper coverage protects your investment.

Your policy covers the structure of your rental property from fire, wind, hail, vandalism, and other covered perils. If tenants accidentally start a fire or severe weather damages your property, you're protected for rebuilding and repairs. Additional structures like garages, sheds, and fences are covered. Texas storms can cause extensive damage, and adequate property coverage prevents financial disasters that could wipe out your rental income for months.

Liability protection is critical for landlords. If a tenant or their guest is injured on your rental property due to unsafe conditions, you could face expensive lawsuits. Slip and falls, dog bites, inadequate security, or maintenance issues can all result in liability claims. This coverage protects your personal and business assets from legal judgments that could exceed hundreds of thousands of dollars.

Loss of rental income coverage compensates you when your property becomes uninhabitable due to covered damage and you can't collect rent. If your rental is damaged by fire and requires two months of repairs, you won't lose that income. Fair rental value coverage ensures you receive compensation during the repair period, preventing financial hardship when your investment property can't generate income.

Additional coverages include vandalism and malicious mischief protection from intentional damage by tenants or others, legal expense coverage for eviction proceedings, and ordinance or law coverage if repairs must meet updated building codes. Texas landlords face risks from problem tenants, property damage, and liability claims that can threaten their investment returns. We help property owners across Texas structure landlord policies that provide comprehensive protection while keeping premiums reasonable, because rental property should build wealth without exposing you to devastating losses.