Landlord Insurance in Texas: What Every Property Owner Needs to Know

Why Landlord Insurance Isn’t Optional

If you own a rental property—whether it’s a single-family home in Montgomery, a duplex in Conroe, or a vacation rental in Lake Livingston—standard homeowners insurance won’t cut it. As a landlord, you’re exposed to risks homeowners aren’t, from tenant-caused damages to loss of rental income.

That’s where landlord insurance comes in.

At TGH Insurance, we help property owners across Texas protect their rental income, property value, and peace of mind with policies tailored to their needs.

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What Does Landlord Insurance Cover?

Landlord insurance (also called rental property insurance) typically includes:

Dwelling Coverage

Protects the structure of your rental property from fire, lightning, wind, hail, and more.

Liability Protection

Covers legal costs if a tenant or guest is injured on your property and you’re found responsible.

Loss of Rental Income

Reimburses lost income if your property becomes uninhabitable due to a covered claim.

Personal Property Coverage

Covers any appliances or furnishings you own inside the rental—such as stoves, refrigerators, or lawn equipment.

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Optional Coverages You Should Consider

Depending on your rental type, you may want to add:

• Vandalism & Theft Coverage
• Flood Insurance (not covered by standard policies)
• Ordinance or Law Coverage (for rebuilds up to code)
• Equipment Breakdown (HVAC, water heaters, etc.)

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Who Needs Landlord Insurance?

You should have landlord insurance if:

• You rent out a second home, lake house, or inherited property
• You’re an investor with multiple rental units
• You have long-term or short-term tenants (including Airbnb-style)
• You’re transitioning a primary residence into a rental

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How Much Does Landlord Insurance Cost in Texas?

Rates vary based on location, property type, and coverage limits. But in general, landlord policies cost 15–25% more than homeowners insurance—because the risks are higher.

Want a fast, accurate quote? Get one in minutes from our team at TGH Insurance.

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Why Choose TGH Insurance?

We’re local, independent, and focused on finding you the best coverage at the best price. Our agency is based in Montgomery, TX, and we work with multiple top-rated insurance carriers—so you don’t have to shop around.

Our Promise:

• Personalized service
• Local knowledge
• Quick quotes
• Ongoing support, even after the policy is in place

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Get a Free Landlord Insurance Quote Today

Don’t leave your investment property unprotected. Whether you have one rental or a whole portfolio, we’re here to help.

Call us at (936) 465-9981
Click here to start your free quote