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2626 Cole Ave. Suite 300

Dallas, TX 75204

09:00 am - 06:00 pm

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Insurance Plus, providing protection for Landlords, Investors and Management Professionals. Your source for property protection.

Houston Landlord Insurance

Rental Property insurance for Houston Landlords

Coverage forms for most Texas property risks are available at this time. Forms available are DP1, DP2, DP3. BOP, and Fire Insurance.

Small for let properties can be covered in our Hassle Free DP1 landlord insurance program

Coverage can generally be effected same day or following day in most cases.

For your convenience, we have many programs that utilize electronic point of sale issue. Some markets may require a completed application.

If the property electrical wiring, plumbing and roofing system have all been updated in the last 20 years then you can qualify for a discount on your rental home insurance rate by using the most recent remodeling date as the age of the structure. Up to a 10% credit.

We are now offering accidental water damage coverage with some DP1 insurance policies on standard Fire, EC, VMM policies. All DP2 and DP3 Polices offer water protection. This applies to tenant and or owner occupied Homes.

Investment properties can present risks not normally associated with an Owners occupied dwelling. A well thought out Insurance Policy or Landlord Cover note can be cost effective as well as provide the necessary financial protection required to secure your investment.

Premium Financing is now available for all business insurance and landlord insurance companies.

Basic Protection needed

  • Main Structure (s), Landlord Building Replacement / ACV option.
  • Other Out Buildings and structures on the property.
  • Contents Coverage (Equipment Appliances, Furnishings, etc.).
  • Landlords Liability Protection
  • Property Replacement Guarantees.
  • Extended Fire, Windstorm and Hail coverage.
  • Accidental Water Discharge from plumbing.
  • Loss of Rent Revenue due to a covered losses.
  • Optional Flood Insurance
  • Optional Flood Insurance, Umbrella insurance and Business Auto Insurance

Texas property investors and professional property managers can look to Insurance Plus as their primary source for investment property coverage. We have serviced Texas risks exclusively since 1997. Custom package coverage is available for your property as well as owners contents and potential liability. Standard and Non Standard, Surplus lines insurance markets are available to cover everything from Fires to Hurricanes and Tornado hazards in most every Texas County. Landlord insurance is available for risks up to 45 million per location. Your property risk does not half to be loss free. Basic, Extended and Special Broad landlord building and owners contents coverage is available to meet all your commercial coverage needs. Your real estate coverage should include the usual coverage for the main structure such as fire, wind and hail, optional extended Water Damage coverage and Income loss coverage in the event of a covered business interruption. These options can either be selected at time of purchase, or added to your insurance policy at a later date.

How to save money on your Insurance

We can provide insurance on the main structure as well as certain owners contents. Both Loss of Rents and Owners Liability coverage can be included, Property Managers Professional Liability and Crime coverage are also available options. Risks do not need to be free of losses. This coverage is written on Commercial Mono Line or Package policy Forms.

Houston Rental Property Insurance
Updates for your Property

1. Update your homes heating, electrical and plumbing systems to modern standards and you may qualify for a discount of as much as 15% on your Insurance Rate in Texas. Even though you may like old-fashioned fire places, they may not be as fire-safe as the more modern heating systems available today. Building technology has advanced quite a bit in recent years. There are many ways to make your buildings much safer. In addition to being a lower insurance risk, you can add value to your home structure in terms of its net worth in today's marketplace.

Apartment Building Insurance in Houston Texas TX
Ask about available discounts

2. Many Texas property investors may not know half the discounts that may be available from your insurer. If you don't know about the factors that effect your landlord policy rate, you can not take advantage of them. Be sure to inform your insurance agent about any repairs, major updates you've made to structures or Conveyances. Certain newer appliances can also qualify your for discounts. Insurers do often advertise the most common discounts but generally do not advertise every available discount but that doesn't mean they are not there, it does no harm to ask your agent about ways you can save.

Houston Rental Home Insurance
Choice of construction materials

3. The material used use in construction of your property can go a very long way in affecting landlord insurance rates in Texas. Frame Structures provide more resistance to earthquakes. Brick buildings can offer better resistance to high winds and flying debris as well as the occasional auto collision. Those who need homeowners insurance coverage in the Western United States can often pay lower rates if the buildings are frame because of the earthquakes there. Building your structure with the appropriate material for your state can easily save you 5% to 35% on your rate.

Custom Landlord Insurance Policy
Customizing your Policy

4. Your insurance coverage can be both affordable and easy to find when you are working with an agent familiar with the risks property investors face. You could save hundreds or even thousands of dollars on landlord insurance in Texas by comparing coverage quotes. Basic form DP1 policies are usually cheaper, but may offer less coverage. Special broad form policies offer more coverage but may not always be best value for the money. The rule of thumb is to evaluate competing coverage options and make the choice that makes the most sense for your investment exposure. Let us shop the best insurance rate for your investmwnt in Texas.