Rental Dwelling Insurance

Owning rental property in Texas can build wealth, but it also exposes you to significant risks that standard homeowners insurance won't cover. Rental dwelling insurance protects your investment property, rental income, and liability from tenant issues, weather damage, and accidents. Whether you rent out a house in San Antonio, a duplex in Houston, or multiple properties across the Valley, proper coverage is essential.

Your policy covers the structure of your rental property from fire, wind, hail, and other covered perils. Property coverage includes any structures on the lot like garages, sheds, or fences. If a tenant accidentally causes a fire or severe weather damages your property, you're protected. Texas landlords face serious risks from storms that can cause extensive damage, and having adequate coverage prevents financial disaster.

Liability protection is critical when you're renting to others. If a tenant or their guest is injured on your property, you could face a lawsuit. Whether someone slips on your rental's stairs in Austin or is hurt because of a maintenance issue in your Corpus Christi property, liability coverage protects your assets. This matters more than most landlords realize until they face a claim.

Loss of rental income coverage pays you when your property becomes uninhabitable due to a covered loss. If a pipe bursts and floods your rental, forcing tenants to move out during repairs, you won't lose months of rental income. Fair rental value coverage ensures you're compensated for lost income during the repair period.

Vandalism and malicious mischief coverage protects against intentional damage by tenants or others. Texas landlords occasionally face problem tenants who damage properties, and this coverage prevents you from absorbing those losses entirely. We help landlords across Texas structure policies that protect their rental properties while keeping coverage affordable, because building wealth through real estate shouldn't mean exposing yourself to uncovered risks.