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Landlord Insurance

What is Landlords’ Insurance?

Being a landlord comes with both opportunity and risk. Landlord insurance is designed to protect you from financial losses connected to your rental properties, covering the building itself and, if you choose any contents you own inside.

  • Often called buy-to-let insurance, landlord coverage can take different forms:
  • Single-Property Insurance – Ideal for one rental home or unit.
  • Multi-Property Insurance – Protects two or more properties under one policy.
  • Each option offers different levels of protection tailored to your investment.

What Does Landlord Insurance Cover?

  • Standard coverage often includes protection against:
  • Fire, lightning, or explosions
  • Storms, floods, or earthquakes
  • Water or oil leaks
  • Subsidence
  • Theft and malicious damage
  • Optional add-ons can expand your protection with:
  • Accidental or tenant-related damage
  • Rent guarantee insurance
  • Alternative accommodation costs
  • Contents coverage for your items
  • Terrorism and legal protection
  • Liability insurance for claims made against you

Important: Landlord insurance does not cover tenants’ belongings. However, liability protection can benefit both you and your tenants if they suffer a loss due to your responsibility.

Why Landlord Insurance Matters in Texas

Owning rental property in Texas offers great income potential—but it also comes with risks. From hurricanes and hailstorms to tenant-related damage and lawsuits, landlord insurance protects your buildings, rental income, and legal liability. Whether you own a single-family rental or a portfolio of properties, the right coverage helps you rent with confidence.

Local Expertise You Can Trust

At MCN Multiservices, we serve landlords across Texas. Our agents understand the unique challenges Texas property owners face—from foundation issues to flood risks—and we’ll help you find the right policy for your rental homes, duplexes, or apartment buildings.

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What Makes Our Landlord Insurance Different?

Texas-Specific Expertise

We know the property risks and landlord laws unique to Texas.

Flexible Policy Options

Choose from buy-to-let or multi-property coverage.

Affordable Premiums

Coverage starting around $800/year.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Landlord Insurance Tips for Texas Investors

  • Bundle Policies – Combine landlord, auto, and umbrella insurance for discounts.
  • Require Renters Insurance – Protect tenants and reduce your liability.
  • Schedule Annual Inspections – Prevent costly claims with proactive maintenance.
  • Review Coverage Annually – Update policies as property values and risks change.

Ready to Protect Your Rental Properties?

Contact MCN Multiservices today for a free landlord insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage options, and get insured fast—so you can safeguard your investment and income.

Frequently Asked Questions

Why do landlords need insurance?

Landlord insurance protects your rental property, income, and liability from unexpected events like fire, storms, tenant damage, and lawsuits. Without it, you could face significant financial losses.

No, Texas law does not require landlord insurance. However, most mortgage lenders and property management agreements mandate coverage to protect your investment.

Standard policies typically include:

  • Dwelling Coverage – Repairs or rebuilds the property after covered damage.
  • Liability Protection – Covers legal costs if someone is injured on your property.
  • Loss of Rental Income – Reimburses lost rent if the property becomes uninhabitable. Optional add-ons include vandalism, rent guarantee, contents coverage, and flood insurance.

No, landlord insurance does not cover tenants’ personal property. Tenants should purchase renters insurance for their belongings.

Costs vary based on:

  • 1 - Property type and location
  • 2 - Coverage limits and deductibles
  • 3 - Age and condition of the property
  • 4 - Optional add-ons like flood or umbrella coverage On average, Texas landlords pay $800–$2,000 per year for coverage.

Yes! Common ways to save include:

  • Bundling policies (auto, umbrella, or multiple properties)
  • Installing security systems or fire alarms
  • Maintaining a good claims history
  • Scheduling annual inspections to reduce risk

Yes. If you rent through platforms like Airbnb or VRBO, you need specialized coverage for short-term rental risks, which standard landlord policies may not include.

No, flood damage is not included in standard policies. You’ll need a separate flood insurance policy, especially if your property is in a FEMA flood zone.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.