Landlord Insurance · Houston, TX

PROTECT THE HOMES YOU RENT OUT.

A home you rent out needs a different policy than the one you live in. I compare landlord coverage from several carriers for Houston rental owners, in English or Spanish.

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Coverage overview

What Landlord Insurance Covers

The coverage a rental home needs, including the parts that are easy to miss.

Dwelling

Covers the rental home itself against covered losses like fire, wind and hail, based on your policy.

Other Structures

Detached garages, fences and sheds on the rental property, covered as their own limit on the policy.

Loss of Rents

Helps replace the rent you lose while the house is repaired after a covered loss makes it unlivable.

Landlord Liability

Helps if a tenant or guest is hurt on your property and you are held responsible, up to your limits.

Landlord's Contents

Covers the appliances, blinds and furniture you provide your tenants. Their renters policy will not.

Flood Coverage

A landlord policy leaves out flood. A separate flood policy protects the building from rising water.

Who It's For

  • Homeowners renting out a home they moved out of

  • Investors with single-family rentals or duplexes

  • Condo and townhome owners with long-term tenants

  • Landlords with several properties to keep organized

Good To Know

Your landlord policy does not cover your tenants' belongings. Some landlords ask tenants to carry renters insurance.

Standard property policies usually do not cover flood damage. A rental building needs its own flood policy.

How It Works

Step 1

Tell Me About the House

Share your age, who relies on you, your mortgage and debts, and any coverage you have from work.

Step 2

I Shop Several Carriers

I shop several carriers for you and walk you through what each quote covers, not just the price.

Step 3

You Choose, I Handle It

Pick the option that fits. I handle the paperwork, then review your coverage with you each year.

Frequently Asked Questions

COMMON QUESTIONS

Does my homeowners policy cover a house I rent out?

Usually not once you move out and rent it to someone else. A rental home typically needs a landlord or dwelling policy. Tell me how the home is used and I'll review it.

What is loss of rents coverage?

It helps replace the rent you would have collected while the home is being repaired after a covered loss. It is often included or added to a landlord policy, so it is worth checking yours.

Does my landlord policy cover my tenant's belongings?

No. Your policy covers the building and the items you provide, not your tenant's things. Tenants need their own renters policy. Source: Texas Department of Insurance

Do I need flood insurance on a rental property?

It's worth a close look. Landlord policies usually do not cover flood, and a separate flood policy can cover the building. Source: FloodSmart (FEMA)

How much does landlord insurance cost?

It depends on the home, its location, its age and the coverage you choose. The review is free. If there is a fee on a placement, you will know the number before you decide anything.

OFTEN PAIRED WITH

Life insurance is one piece. These are the coverages families often add alongside it.

Home Insurance

Coverage for the home you live in, not the rental.

Flood Insurance

Building coverage for rising water at your rental.

Business Insurance

For rentals that are held in an LLC or a business.

Kevin Caballaro, Houston insurance agent

TALK TO KEVIN

Questions About Your Landlord Insurance?

Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.

HOURS

Mon to Fri 9am to 6pm

Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.

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