Long Term Rental Owners
One house you moved out of and kept, or a growing portfolio.
Landlord Insurance in San Antonio
Coverage for single family rentals, duplexes and small multifamily properties, held personally or in an LLC, written the way lenders and property managers expect.
Who It's For
LLC Owners and Investor Loans
Policies in the entity's name with the lender listed correctly as mortgagee.
Small Multifamily
Duplexes, triplexes and fourplexes.
What It Covers
Dwelling
The structure itself, written on a landlord dwelling policy instead of a homeowners policy.
Loss of Rent
Rental income you lose while the property is repaired after a covered loss.
Landlord Liability
Claims from tenants or visitors hurt because of a condition at the property.
Other Structures
Fences, detached garages and sheds.
Wind and Hail
Often written with a separate percentage deductible in Texas.
Ordinance or Law
The extra cost to bring an older rental up to current code after a covered loss.
Texas and San Antonio Details
A homeowners policy is written for a home you live in. Once you move out and rent it, a homeowners policy usually no longer fits and a claim can be denied. Rentals belong on a landlord dwelling policy, often written on Texas dwelling forms.
Investor and DSCR loans usually require the policy in the borrowing entity's name, the lender listed as mortgagee and loss of rent coverage. We match those requirements before closing so the lender's insurance review does not hold up the file.
Between tenants, many dwelling policies limit coverage once a property has been vacant for a set period, commonly 60 days. Tell us when a property will sit empty for a renovation; it may need a vacant property or builder's risk policy instead.
Your policy does not cover tenant belongings. Requiring renters insurance in your lease protects your tenants and keeps small claims off your policy.
Common Questions
Can I Use My Homeowners Policy on a Rental?
Usually not. Homeowners policies are written for owner occupied homes. Once you move out and rent the house, you need a landlord dwelling policy.
Can the Policy Be in My LLC's Name?
Yes. If the LLC owns the property, the policy should name the LLC as the insured. Lenders often require that match.
What Is Loss of Rent Coverage?
It pays the rent you lose while a property cannot be rented because of a covered loss, such as a fire. Many investor loans require it.
Do I Need Liability Coverage as a Landlord?
Yes. Tenants and visitors can claim injuries from stairs, decks, trees and other conditions. Landlord policies can include liability, and an umbrella can add higher limits across several properties.
What Happens When the Property Is Vacant?
Many dwelling policies cut back coverage after a set period of vacancy, commonly 60 days. Let us know before a long vacancy or renovation so the right policy is in place.
Related Coverage
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