What is Landlord Insurance?

Landlord insurance is a specialized policy designed to protect rental property owners from potential risks and financial losses associated with leasing their property. It offers coverage for property damage, liability claims, and loss of rental income. Unlike standard homeowner's insurance, landlord insurance provides the specific protection landlords need for homes they own but do not occupy.

Why Do You Need Landlord Insurance in Texas?

Owning rental property in Texas comes with unique opportunities, but brings challenges and risk as well. From natural disasters like hurricanes and floods to everyday risks like tenant damages or legal liabilities, having a robust insurance policy is essential. TRB Insurance’s landlord insurance is tailored to meet these needs, ensuring your investment is protected.

Key Benefits of TRB Insurance’s Landlord Insurance

• Property Protection: Covers damages to your rental property from fire, lightning, storms, vandalism, and other perils.
• Liability Coverage: Protects you from legal and medical expenses if someone is injured on your property.
• Loss of Rental Income: Reimburses you for lost rental income if your property becomes uninhabitable due to a covered event.
• Optional Add-ons: Enhance your policy with coverage options for flood damage, earthquake damage, and more.

What Does Landlord Insurance Cover?

Property Damage

Our policy covers physical damages to the structure of your rental property, including:

• Fire and smoke damage
• Storm and wind damage
• Water damage (appliances & plumbing)
• Vandalism and malicious mischief

Liability Protection

If a tenant or visitor is injured on your property, landlord insurance can help cover:

• Medical expenses
• Legal fees
• Settlement costs

Loss of Rental Income

If your property is uninhabitable due to a covered peril, our policy will compensate you for the rental income you lose during repairs.

Additional Coverage Options

We understand that every property is unique. Customize your policy with add-ons like:

• Flood insurance
• Earthquake insurance
• Emergency repair coverage

How Much Does Landlord Insurance Cost in Texas?

The cost of landlord insurance in Texas varies based on several factors, including:

• Location of the property
• Property value
• Coverage limits
• Optional add-ons

For a personalized quote, contact our experienced agents today. We’ll help you find the right coverage at a competitive price.

How to Get Landlord Insurance from TRB Insurance

1. Request a Quote: Fill out our online form or call our office to provide details about your rental property.
2. Customize Your Policy: Work with our agents to tailor the coverage to your needs.
3. Get Covered: Once you’re satisfied with the policy, we’ll finalize the details and provide you with immediate coverage.

Frequently Asked Questions

Is landlord insurance mandatory in Texas?

While not legally required, landlord insurance is highly recommended to protect your investment and financial interests.

Can landlord insurance cover multiple properties?

Yes, you can cover multiple rental properties under one landlord insurance policy. Contact our agents for more information.

Does landlord insurance cover tenant belongings?

No, landlord insurance does not cover tenant personal property. Tenants should have their own renter's insurance to protect their belongings.

Why Choose TRB Insurance?

At TRB Insurance, we understand the unique needs of Texas landlords. Our policies are designed to offer comprehensive coverage, peace of mind, and exceptional customer service. With our deep knowledge of the local market and commitment to personalized service, we are your trusted partner in protecting your rental properties