Texas

Landlord insurance in Texas

Costs, coverage, and local rental data for Texas property owners. A quote is not a binder.

Texas has about 4,113,561 renter-occupied homes, 37% of all occupied housing. The median owner-occupied home is valued at $283,800 and median gross rent is $1,403 a month (ACS 2020–2024). This page covers what landlord insurance costs in Texas, what moves a quote, and local pages for the largest rental markets.

What landlord insurance costs in Texas

The NAIC's average dwelling-fire premium in Texas was $1,226 in 2023, which ranks 1 of the ten states we serve (highest first). The Texas HO-3 homeowners average was $2,864. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.

Amount of dwelling insuranceTexas average dwelling-fire premium (2023)
Under $150,000$866
$150,000–$199,999$1,438
$200,000–$224,999$1,625
$225,000–$249,999$1,692
$250,000–$274,999$1,757
$275,000–$299,999$1,804
$300,000–$324,999$1,933
$325,000–$349,999$1,960
$350,000–$399,999$2,083
$400,000–$449,999$2,347
$450,000–$499,999$2,620
$500,000–$599,999$2,855
$600,000–$699,999$2,926
$700,000–$999,999$3,549
$1,000,000 and over$4,854
All amounts (state average)$1,226

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Texas Department of Insurance.

What moves your landlord quote in Texas

  • Weather exposure: hail, especially across North and Central Texas; wind and hurricane exposure near the Gulf coast; winter freeze events that burst pipes; flash and coastal flooding, which needs separate flood coverage.
  • Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
  • Building age and systems: the median Texas home was built in 1992; roof, wiring, plumbing, and heating updates matter.
  • Building type: 5% of Texas homes are in 2–4 unit buildings and 67% are single-family.
  • Occupancy: long-term, short-term, student, or vacant.
  • Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
  • Claims history on the property and for the owner.

Largest Texas rental markets

Coverage guides for Texas landlords

Other Texas communities we serve

We accept quote requests for rentals anywhere in Texas, including these communities, grouped by county.

Anderson County: Elkhart, Frankston, Palestine

Andrews County: Andrews

Angelina County: Burke, Diboll, Hudson, Huntington, Lufkin, Zavalla

Aransas County: Fulton, Rockport

Archer County: Archer City, Holliday, Lakeside City, Megargel, Scotland, Windthorst

Armstrong County: Claude

Atascosa County: Charlotte, Christine, Jourdanton, Lytle, Pleasanton, Poteet

Austin County: Bellville, Brazos Country, Industry, San Felipe, Sealy, South Frydek, Wallis

Bailey County: Muleshoe

Bandera County: Bandera

Bastrop County: Bastrop, Elgin, Smithville

Baylor County: Seymour

Bee County: Beeville

Bell County: Belton, Harker Heights, Holland, Little River-Academy, Morgan's Point Resort, Nolanville, Rogers, Salado, Temple, Troy

Bexar County: Alamo Heights, Balcones Heights, Castle Hills, China Grove, Converse, Elmendorf, Fair Oaks Ranch, Grey Forest, Helotes, Hill Country Village, Hollywood Park, Kirby, Leon Valley, Live Oak, Olmos Park, Sandy Oaks, Selma, Shavano Park, Somerset, St. Hedwig, Terrell Hills, Universal City, Von Ormy, Windcrest

Blanco County: Blanco, Johnson City, Round Mountain

Bosque County: Clifton, Cranfills Gap, Iredell, Meridian, Morgan, Valley Mills, Walnut Springs

Bowie County: De Kalb, Hooks, Leary, Maud, Nash, New Boston, Red Lick, Redwater, Texarkana, Wake Village

Brazoria County: Alvin, Angleton, Bailey's Prairie, Bonney, Brazoria, Brookside Village, Clute, Danbury, Freeport, Hillcrest Village, Holiday Lakes, Iowa Colony, Jones Creek, Lake Jackson, Liverpool, Manvel, Oyster Creek, Quintana, Richwood, Sandy Point, Surfside Beach, Sweeny, West Columbia

Brazos County: Bryan, Kurten, Wixon Valley

Brewster County: Alpine

Briscoe County: Quitaque, Silverton

Brooks County: Falfurrias

Brown County: Bangs, Blanket, Brownwood, Early

Burleson County: Caldwell, Snook, Somerville

Burnet County: Bertram, Burnet, Cottonwood Shores, Double Horn, Granite Shoals, Highland Haven, Marble Falls, Meadowlakes

Caldwell County: Lockhart, Luling, Martindale, Mustang Ridge

Calhoun County: Point Comfort, Port Lavaca, Seadrift

Callahan County: Baird, Clyde, Cross Plains, Putnam

Cameron County: Bayview, Combes, Harlingen, Indian Lake, La Feria, Laguna Vista, Los Fresnos, Los Indios, Palm Valley, Port Isabel, Primera, Rancho Viejo, Rio Hondo, San Benito, Santa Rosa, South Padre Island

Camp County: Pittsburg, Rocky Mound

Carson County: Groom, Panhandle, Skellytown, White Deer

Cass County: Atlanta, Avinger, Bloomburg, Domino, Douglassville, Hughes Springs, Linden, Marietta, Queen City

Castro County: Dimmitt, Hart, Nazareth

Chambers County: Anahuac, Beach City, Cove, Mont Belvieu, Old River-Winfree

Cherokee County: Alto, Cuney, Gallatin, Jacksonville, New Summerfield, Reklaw, Rusk, Wells

Childress County: Childress

Clay County: Bellevue, Byers, Dean, Henrietta, Jolly, Petrolia

Cochran County: Morton, Whiteface

Coke County: Bronte, Robert Lee

Coleman County: Coleman, Novice, Santa Anna

Collin County: Allen, Anna, Blue Ridge, Celina, Fairview, Farmersville, Josephine, Lavon, Lowry Crossing, Lucas, Melissa, Murphy, Nevada, New Hope, Parker, Princeton, Prosper, St. Paul, Weston, Wylie

Collingsworth County: Dodson, Wellington

Colorado County: Columbus, Eagle Lake, Weimar

Comal County: Bulverde, Garden Ridge, New Braunfels, Spring Branch

Comanche County: Comanche, De Leon, Gustine

Concho County: Eden, Paint Rock

Cooke County: Callisburg, Gainesville, Lindsay, Muenster, Road Runner, Valley View

Coryell County: Copperas Cove, Evant, Gatesville, Oglesby, South Mountain

Cottle County: Paducah

Crane County: Crane

Crosby County: Crosbyton, Lorenzo, Ralls

Culberson County: Van Horn

Dallam County: Dalhart, Texline

Dallas County: Addison, Balch Springs, Cedar Hill, Cockrell Hill, Coppell, DeSoto, Duncanville, Farmers Branch, Glenn Heights, Highland Park, Hutchins, Lancaster, Mesquite, Richardson, Rowlett, Sachse, Seagoville, Sunnyvale, University Park, Wilmer

Dawson County: Ackerly, Lamesa, Los Ybanez

Deaf Smith County: Hereford

Delta County: Cooper, Pecan Gap

Denton County: Argyle, Aubrey, Bartonville, Copper Canyon, Corinth, Corral City, Cross Roads, DISH, Double Oak, Flower Mound, Hackberry, Hebron, Hickory Creek, Highland Village, Justin, Krugerville, Krum, Lake Dallas, Lakewood Village, Little Elm, Northlake, Oak Point, Pilot Point, Ponder, Providence Village, Roanoke, Sanger, Shady Shores, The Colony, Trophy Club

Dewitt County: Cuero, Nordheim, Yorktown

Dickens County: Dickens, Spur

Dimmit County: Asherton, Big Wells, Carrizo Springs

Donley County: Clarendon, Hedley, Howardwick

Duval County: Benavides, Freer, San Diego

Eastland County: Carbon, Cisco, Eastland, Gorman, Ranger, Rising Star

Ector County: Goldsmith, Odessa

Edwards County: Rocksprings

El Paso County: Anthony, Clint, Horizon City, San Elizario, Socorro, Vinton

Ellis County: Alma, Bardwell, Ennis, Ferris, Garrett, Italy, Maypearl, Midlothian, Milford, Oak Leaf, Ovilla, Palmer, Pecan Hill, Red Oak, Waxahachie

Erath County: Dublin, Stephenville

Falls County: Golinda, Lott, Marlin, Rosebud

Fannin County: Bailey, Bonham, Dodd City, Ector, Honey Grove, Ladonia, Leonard, Ravenna, Savoy, Trenton, Windom

Fayette County: Carmine, Ellinger, Fayetteville, Flatonia, La Grange, Round Top, Schulenburg

Fisher County: Roby, Rotan

Floyd County: Floydada, Lockney

Foard County: Crowell

Fort Bend County: Arcola, Beasley, Fairchilds, Fulshear, Kendleton, Meadows Place, Missouri City, Needville, Orchard, Pleak, Richmond, Rosenberg, Simonton, Stafford, Sugar Land, Thompsons, Weston Lakes

Franklin County: Mount Vernon

Freestone County: Fairfield, Kirvin, Streetman, Teague, Wortham

Frio County: Dilley, Pearsall

Gaines County: Seagraves, Seminole

Galveston County: Bayou Vista, Clear Lake Shores, Dickinson, Friendswood, Galveston, Hitchcock, Jamaica Beach, Kemah, La Marque, League City, Santa Fe, Texas City, Tiki Island

Garza County: Post

Gillespie County: Fredericksburg

Goliad County: Goliad

Gonzales County: Gonzales, Nixon, Smiley, Waelder

Gray County: Lefors, McLean, Pampa

Grayson County: Bells, Collinsville, Denison, Dorchester, Gunter, Howe, Knollwood, Pottsboro, Sadler, Sherman, Southmayd, Tioga, Tom Bean, Van Alstyne, Whitesboro, Whitewright

Gregg County: Clarksville City, Easton, Gladewater, Kilgore, Lakeport, Longview, Warren City, White Oak

Grimes County: Anderson, Bedias, Iola, Navasota, Plantersville, Todd Mission

Guadalupe County: Cibolo, Kingsbury, Marion, New Berlin, Santa Clara, Schertz, Seguin, Staples

Hale County: Abernathy, Edmonson, Hale Center, Petersburg, Plainview

Hall County: Estelline, Lakeview, Memphis, Turkey

Hamilton County: Hamilton, Hico

Hansford County: Gruver, Spearman

Hardeman County: Chillicothe, Quanah

Hardin County: Kountze, Lumberton, Rose Hill Acres, Silsbee, Sour Lake

Harris County: Baytown, Bellaire, Bunker Hill Village, Deer Park, El Lago, Galena Park, Hedwig Village, Hilshire Village, Humble, Hunters Creek Village, Jacinto City, Jersey Village, Katy, La Porte, Morgan's Point, Nassau Bay, Piney Point Village, Seabrook, Shoreacres, South Houston, Southside Place, Spring Valley Village, Taylor Lake Village, Tomball, Webster, West University Place

Harrison County: Hallsville, Marshall, Scottsville, Uncertain, Waskom

Hartley County: Channing

Haskell County: Haskell, O'Brien, Rochester, Rule, Weinert

Hays County: Bear Creek, Buda, Dripping Springs, Hays, Kyle, Mountain City, Niederwald, San Marcos, Uhland, Wimberley, Woodcreek

Hemphill County: Canadian

Henderson County: Athens, Berryville, Brownsboro, Caney City, Chandler, Coffee City, Enchanted Oaks, Eustace, Gun Barrel City, Log Cabin, Malakoff, Moore Station, Murchison, Payne Springs, Poynor, Seven Points, Star Harbor, Tool, Trinidad

Hidalgo County: Alamo, Alton, Donna, Edcouch, Edinburg, Elsa, Granjeno, Hidalgo, La Joya, La Villa, Mercedes, Mission, Palmhurst, Palmview, Penitas, Pharr, Progreso, Progreso Lakes, San Juan, Sullivan City, Weslaco

Hill County: Abbott, Aquilla, Blum, Bynum, Carl's Corner, Covington, Hillsboro, Hubbard, Itasca, Malone, Mertens, Mount Calm, Penelope, Whitney

Hockley County: Anton, Levelland, Opdyke West, Ropesville, Smyer, Sundown

Hood County: Cresson, DeCordova, Granbury, Lipan, Stockton Bend, Tolar

Hopkins County: Como, Cumby, Sulphur Springs, Tira

Houston County: Crockett, Grapeland, Kennard, Latexo, Lovelady

Howard County: Big Spring, Coahoma, Forsan

Hudspeth County: Dell City

Hunt County: Caddo Mills, Campbell, Celeste, Commerce, Greenville, Hawk Cove, Lone Oak, Neylandville, Poetry, Quinlan, Union Valley, West Tawakoni, Wolfe City

Hutchinson County: Borger, Fritch, Sanford, Stinnett

Irion County: Mertzon

Jack County: Bryson, Jacksboro

Jackson County: Edna, Ganado, La Ward

Jasper County: Browndell, Jasper, Kirbyville

Jeff Davis County: Valentine

Jefferson County: Beaumont, Bevil Oaks, China, Groves, Nederland, Nome, Port Arthur, Port Neches, Taylor Landing

Jim Wells County: Alice, Orange Grove, Premont

Johnson County: Alvarado, Briaroaks, Burleson, Cleburne, Coyote Flats, Cross Timber, Godley, Grandview, Joshua, Keene, Rio Vista, Venus

Jones County: Anson, Hamlin, Hawley, Lueders, Stamford

Karnes County: Falls City, Karnes City, Kenedy, Runge

Kaufman County: Combine, Cottonwood, Crandall, Forney, Grays Prairie, Kaufman, Kemp, Mabank, Oak Grove, Oak Ridge, Post Oak Bend, Rosser, Scurry, Talty, Terrell

Kendall County: Boerne

Kent County: Jayton

Kerr County: Ingram, Kerrville

Kimble County: Junction

Kinney County: Brackettville, Spofford

Kleberg County: Kingsville

Knox County: Benjamin, Goree, Knox City, Munday

La Salle County: Cotulla, Encinal

Lamar County: Blossom, Deport, Paris, Roxton, Sun Valley, Toco

Lamb County: Amherst, Earth, Littlefield, Olton, Springlake, Sudan

Lampasas County: Kempner, Lampasas, Lometa

Lavaca County: Hallettsville, Moulton, Shiner, Yoakum

Lee County: Giddings, Lexington

Leon County: Buffalo, Centerville, Jewett, Leona, Marquez, Normangee, Oakwood

Liberty County: Ames, Cleveland, Daisetta, Dayton, Dayton Lakes, Devers, Hardin, Kenefick, Liberty, North Cleveland, Plum Grove

Limestone County: Coolidge, Groesbeck, Kosse, Mexia, Tehuacana, Thornton

Lipscomb County: Booker, Darrouzett, Follett, Higgins

Live Oak County: George West, Three Rivers

Llano County: Horseshoe Bay, Llano, Sunrise Beach Village

Lubbock County: Buffalo Springs Lake, Idalou, New Deal, Ransom Canyon, Shallowater, Slaton, Wolfforth

Lynn County: New Home, O'Donnell, Tahoka, Wilson

Madison County: Madisonville, Midway

Marion County: Jefferson

Martin County: Stanton

Mason County: Mason

Matagorda County: Bay City, Palacios

Maverick County: Eagle Pass

Mcculloch County: Brady, Melvin

Mclennan County: Bellmead, Beverly Hills, Bruceville-Eddy, Crawford, Gholson, Hallsburg, Hewitt, Lacy-Lakeview, Leroy, Lorena, Mart, McGregor, Moody, Riesel, Robinson, Ross, West, Woodway

Medina County: Castroville, Devine, Hondo, LaCoste, Natalia

Menard County: Menard

Milam County: Buckholts, Cameron, Milano, Rockdale, Thorndale

Mills County: Goldthwaite, Mullin

Mitchell County: Colorado City, Loraine, Westbrook

Montague County: Bowie, Nocona, St. Jo

Montgomery County: Conroe, Cut and Shoot, Magnolia, Montgomery, Oak Ridge North, Panorama Village, Patton Village, Roman Forest, Shenandoah, Splendora, Stagecoach, Willis, Woodbranch, Woodloch

Moore County: Cactus, Dumas, Sunray

Morris County: Daingerfield, Lone Star, Naples, Omaha

Motley County: Matador, Roaring Springs

Nacogdoches County: Appleby, Chireno, Cushing, Garrison, Nacogdoches

Navarro County: Angus, Barry, Blooming Grove, Corsicana, Dawson, Emhouse, Eureka, Frost, Goodlow, Kerens, Mildred, Navarro, Oak Valley, Powell, Retreat, Rice, Richland

Newton County: Newton

Nolan County: Blackwell, Roscoe, Sweetwater

Nueces County: Agua Dulce, Bishop, Driscoll, Petronila, Port Aransas, Robstown

Ochiltree County: Perryton

Oldham County: Adrian, Vega

Orange County: Bridge City, Orange, Pine Forest, Pinehurst, Rose City, Vidor, West Orange

Palo Pinto County: Gordon, Graford, Mineral Wells, Mingus, Strawn

Panola County: Beckville, Carthage, Gary City

Parker County: Aledo, Annetta, Annetta North, Annetta South, Cool, Dennis, Hudson Oaks, Millsap, Peaster, Reno, Sanctuary, Springtown, Weatherford, Willow Park

Parmer County: Bovina, Farwell, Friona

Pecos County: Fort Stockton, Iraan

Polk County: Corrigan, Goodrich, Livingston, Onalaska, Seven Oaks

Potter County: Bishop Hills

Presidio County: Marfa, Presidio

Rains County: East Tawakoni, Emory, Point

Randall County: Canyon, Lake Tanglewood, Palisades, Timbercreek Canyon

Reagan County: Big Lake

Real County: Camp Wood, Leakey

Red River County: Annona, Avery, Bogata, Clarksville, Detroit

Reeves County: Balmorhea, Town of Pecos, Toyah

Refugio County: Austwell, Bayside, Refugio, Woodsboro

Roberts County: Miami

Robertson County: Bremond, Calvert, Franklin, Hearne

Rockwall County: Fate, Heath, McLendon-Chisholm, Mobile City, Rockwall, Royse City

Runnels County: Ballinger, Miles, Winters

Rusk County: Henderson, Mount Enterprise, New London, Overton, Tatum

Sabine County: Hemphill, Pineland

San Augustine County: Broaddus, San Augustine

San Jacinto County: Coldspring, Point Blank, Shepherd

San Patricio County: Aransas Pass, Gregory, Ingleside, Ingleside on the Bay, Lake City, Mathis, Odem, Portland, San Patricio, Sinton, Taft

San Saba County: Richland Springs, San Saba

Schleicher County: Eldorado

Scurry County: Snyder

Shackelford County: Albany, Moran

Shelby County: Center, Huxley, Joaquin, Tenaha, Timpson

Sherman County: Stratford, Texhoma

Smith County: Arp, Bullard, Hideaway, Lindale, New Chapel Hill, Noonday, Troup, Tyler, Whitehouse, Winona

Somervell County: Glen Rose

Starr County: Escobares, La Grulla, Rio Grande City, Roma

Stephens County: Breckenridge

Sterling County: Sterling City

Stonewall County: Aspermont

Sutton County: Sonora

Swisher County: Happy, Kress, Tulia

Tarrant County: Azle, Bedford, Benbrook, Blue Mound, Colleyville, Crowley, Dalworthington Gardens, Edgecliff Village, Euless, Everman, Forest Hill, Grapevine, Haltom City, Haslet, Hurst, Keller, Kennedale, Lake Worth, Lakeside, Mansfield, North Richland Hills, Pantego, Pelican Bay, Richland Hills, River Oaks, Saginaw, Sansom Park, Southlake, Watauga, Westlake, Westover Hills, Westworth Village, White Settlement

Taylor County: Buffalo Gap, Impact, Lawn, Merkel, Trent, Tuscola, Tye

Terry County: Brownfield, Meadow, Wellman

Throckmorton County: Throckmorton, Woodson

Titus County: Miller's Cove, Mount Pleasant, Talco, Winfield

Tom Green County: San Angelo

Travis County: Bee Cave, Briarcliff, Creedmoor, Jonestown, Lago Vista, Lakeway, Manor, Pflugerville, Point Venture, Rollingwood, San Leanna, Sunset Valley, The Hills, Volente, Webberville, West Lake Hills

Trinity County: Groveton, Trinity

Tyler County: Chester, Colmesneil, Ivanhoe, Woodville

Upshur County: Big Sandy, East Mountain, Gilmer, Ore City, Union Grove

Upton County: McCamey, Rankin

Uvalde County: Sabinal, Uvalde

Val Verde County: Del Rio

Van Zandt County: Canton, Edgewood, Edom, Fruitvale, Grand Saline, Van, Wills Point

Victoria County: Victoria

Walker County: Huntsville, New Waverly, Riverside

Waller County: Brookshire, Hempstead, Pattison, Pine Island, Prairie View, Waller

Ward County: Barstow, Grandfalls, Monahans, Pyote, Thorntonville, Wickett

Washington County: Brenham, Burton

Webb County: El Cenizo, Rio Bravo

Wharton County: East Bernard, El Campo, Wharton

Wheeler County: Mobeetie, Shamrock, Wheeler

Wichita County: Burkburnett, Cashion Community, Electra, Iowa Park, Pleasant Valley, Wichita Falls

Wilbarger County: Vernon

Willacy County: Lyford, Raymondville, San Perlita

Williamson County: Bartlett, Cedar Park, Coupland, Florence, Georgetown, Granger, Hutto, Jarrell, Leander, Liberty Hill, Taylor, Thrall, Weir

Wilson County: Floresville, La Vernia, Poth, Stockdale

Winkler County: Kermit, Wink

Wise County: Alvord, Aurora, Boyd, Bridgeport, Chico, Decatur, Lake Bridgeport, New Fairview, Newark, Paradise, Rhome, Runaway Bay

Wood County: Alba, Hawkins, Mineola, Quitman, Winnsboro, Yantis

Yoakum County: Denver City, Plains

Young County: Graham, Newcastle, Olney

Zavala County: Crystal City

Texas landlord insurance FAQ

Is landlord insurance required in Texas?

No Texas statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.

What does landlord insurance cost in Texas?

The NAIC reported a 2023 Texas average dwelling-fire premium of $1,226, compared with $2,864 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.

Who regulates insurance in Texas?

The Texas Department of Insurance licenses insurers and agents and publishes consumer guides and complaint tools.

Does a Texas landlord policy cover flood?

No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.

Sources

  • NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
  • U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
  • U.S. Census Bureau, Vintage 2024 population estimates
  • FEMA National Risk Index
  • Texas Department of Insurance

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Last updated October 15, 2026. Sources and method: how we research.