Landlord insurance
Insurance for your rental properties
Dwelling-fire and landlord policies for single-family rentals, duplexes and small portfolios across Texas, compared across carriers so your investment is protected.
What a landlord policy can cover
A homeowners policy is designed for a home you live in, so once you rent a property out you typically need a landlord or dwelling-fire policy instead.
Rental dwelling
Covers the structure you rent out against covered perils such as fire, wind and hail. Policy forms vary from named-peril to broader open-peril coverage, and we will explain which form each quote uses.
Loss of rents
Helps replace rental income you lose while a covered loss makes the property unlivable during repairs, which can protect your ability to keep paying the mortgage.
Landlord liability
Helps protect you if a tenant or visitor is injured and claims you were responsible, including legal defense. Your tenants’ belongings are generally not covered, which is why many landlords require renters insurance.
Umbrella for investors
If you own several properties, a personal umbrella can add liability limits across your rentals, home and autos. Some carriers limit how many rentals an umbrella can include, so we check before quoting.
Texas considerations for rental owners
The same hail, wind and flood issues that affect homeowners apply to rental properties, and the stakes can be higher because a loss can interrupt your income. Percentage wind and hail deductibles, roof age and flood exclusions all deserve attention, and flood coverage must be purchased separately. If you own short-term rentals, tell us up front, because many standard landlord policies treat short-term rentals differently.
As your portfolio grows, we can help you keep coverage organized, review limits at renewal and compare whether combining properties with one carrier makes sense. You get one agency to call for every property instead of juggling several companies on your own.
Ready for a landlord quote?
Tell us about your rental property, including its address, age, roof and how it is rented, and an agent will follow up with options.
Related coverage and guides
Home insurance
Coverage for the home you live in.
Umbrella insurance
Extra liability limits across your properties.
Hail and wind
Deductibles and roof terms on rental homes.
Why work with Prout Insurance Agency
Choice, not a single company
As an independent agency we are appointed with multiple insurance companies. That lets us compare coverage and price side by side instead of fitting you into one company’s products, and re-shop your policy if a renewal stops making sense.
Plain-English advice
We explain deductibles, exclusions and optional coverages before you buy, so there are fewer surprises later. You get a recommendation and the reasons behind it, and the final choice is always yours.
An agent who stays with you
When you add a driver, buy a new home or need help with a claim, you call the same Austin-based agency that set up your policy. We serve clients across Texas by phone, email and video.
“Brittany was amazing to work with. She took the time to explain everything clearly and helped me save money on both my homeowners and vehicle insurance without cutting coverage. She was extremely knowledgeable, responsive…”
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This page is general information, not a policy or a promise of coverage. Coverage, limits, exclusions and availability vary by carrier, policy and location; your policy documents govern.
Ready to compare your options?
Tell us what you need to cover. An agent will shop it and walk you through the results.
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