Landlord Insurance in Texas

Landlord insurance is a property and liability policy written for owners who rent out a house, duplex, or similar dwelling; it pays to repair or rebuild the structure after covered events such as fire, wind, hail, and certain water damage, and it covers your legal liability if a guest or tenant is injured on the property because of your negligence. It does not cover your tenant’s personal belongings, routine wear and tear, or flood damage unless you add a separate flood policy.

In Texas, the concrete risk is severe weather—hailstorms, high winds, and freezes that can wreck roofs, HVAC systems, and pipes—plus slip-and-fall and other liability claims that can follow a poorly maintained rental. A landlord policy can also replace lost rental income while a covered claim makes the unit unlivable, so you are not left carrying the mortgage with no rent coming in.

Steve White Insurance Group helps Texas landlords match those protections to the property you own, shopping options across carriers rather than locking you into a single company’s one-size-fits-all form.

Landlord insurance is built for owners who rent out a dwelling they do not occupy as their primary home—single-family houses, duplexes, small multifamily buildings, and investment properties across Texas. A standard homeowners policy does not cover a non-owner-occupied rental the same way, so landlords who rely on it alone leave tenant-related liability and rental-property risks outside that policy’s scope.

You may be a fit if you collect rent, manage tenant turnovers, or hold one or more investment properties in Texas and want coverage written for landlord exposures rather than owner-occupied living. Eligibility and the right structure can depend on occupancy, how the property is used, your carrier’s underwriting rules, and the limits and deductibles you choose.

Steve White Insurance Group helps Texas landlords compare landlord options across multiple carriers so the policy matches how you actually rent the property—not a one-size primary-home form.

Landlord insurance protects the rental dwelling and your liability as a property owner; it does not replace the tenant’s belongings coverage, your personal home or auto policies, or specialized business lines you may also need. Many Texas landlords add umbrella liability, dwelling fire on vacant or secondary units, commercial property for mixed-use buildings, or renters insurance guidance for tenants so each layer has a clear job.

Steve White Insurance Group shops those pairings across AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America, so you compare options with one advocate instead of starting over at a single carrier. The table below outlines coverages commonly used alongside landlord insurance and what each one is for.

Steve White Insurance Group is an independent agency, so we shop landlord insurance across 13 carriers—AIG, Allstate, AmTrust North America, Centauri, Chubb, Encompass, Germania, National General, Nationwide, Progressive, The Hartford, Travelers, and Universal North America—instead of locking you into a single company’s menu.

That choice lets us match limits, deductibles, and add-ons to your rental property rather than forcing a one-size-fits-all package. With 20 years in Texas, we know how local weather, tenant turnover, and property type can shape the options that may fit your situation.

If you ever file a claim, you work with one advocate who already knows your policy—not a rotating call-center queue at the insurer. We stay on your side of the table from quote through renewal.

When you are ready, request a free, no-obligation landlord insurance quote from Steve White Insurance Group at (214) 865-9966 and we will compare coverages that may work for your Texas rental.