Landlord insurance in Texas covers the building, your liability as an owner, and the rental income on a property you rent out, the same core as anywhere. What is specific to Texas is the risk picture around it: hail and wind across the interior, hurricane and windstorm exposure on the coast that can require separate windstorm coverage, tornado, hard freezes that burst pipes, and flooding that reaches far outside the mapped zones.
What is different about insuring a rental in Texas
Texas is one of the hardest markets in the country, and for good reason. The DFW corridor sees punishing hail that drives roof claims, the coast carries hurricane and windstorm exposure that often has to be covered separately, sometimes through the state windstorm pool, and the 2021 freeze showed how burst pipes can hit thousands of properties at once. Flooding is a major exposure too, and a large share of it happens outside the high-risk flood zones. A Texas rental usually needs more deliberate structuring than one in a calmer market.
What a standard policy won't cover in Texas
Texas is the one state where a landlord may need three separate things working together. The standard property policy covers the building and liability, but on the coast it often excludes windstorm and hail, which then has to come from the Texas Windstorm Insurance Association (TWIA) in designated catastrophe counties. Flood is separate everywhere, and a large share of Texas flooding happens outside the mapped zones. And for buildings that cannot get standard coverage at all, the Texas FAIR Plan is the last-resort property option. Knowing which of these a given property needs, and making them line up, is the core of a Texas placement.
How we handle it
We are licensed in Texas and structure coverage with the markets that write here, including the wind, hail, and coastal-windstorm pieces where they apply. A review checks the roof and hail settlement, the wind and windstorm structure on coastal property, the freeze and flood exposure, and whether your limits reflect Texas rebuild costs.
