El Paso, TX
El Paso, TX landlord and rental property insurance
What El Paso landlords should know before insuring a rental. A quote is not a binder.
Census estimates put El Paso's renter-occupied share at 39%, or roughly 96,177 of 245,346 occupied homes. Compared with 37% across Texas, that is close to average, and it tells you a lot about the local rental stock owners are insuring.
Census snapshot: El Paso housing
| Measure | El Paso | Texas |
|---|---|---|
| Renter-occupied homes | 39% (96,177) | 37% |
| Median owner-occupied home value | $184,500 | $283,800 |
| Median gross rent | $1,073/mo | $1,403/mo |
| Median year structure built | 1984 | 1992 |
| Homes in 2–4 unit buildings | 8% | 5% |
| Single-family homes (detached or attached) | 70% | 67% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Dwelling limits for El Paso landlords
El Paso's median home value, roughly $184,500, gives a rough sense of what rentals here are worth; the state median is $283,800. For insurance, ask for a replacement-cost estimate on your specific building.
NAIC data for 2023 shows an average Texas dwelling-fire premium of $1,438 in the $150,000–$199,999 coverage band, which brackets El Paso's median value; across all coverage amounts the state average was $1,226. Treat it as background, since landlord pricing depends on the building and occupancy.
Protecting rental income in El Paso
Rents in El Paso center on about $1,073 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $12,876 per unit at the median.
Building age and underwriting in El Paso
Half of El Paso's homes were built before 1984 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
Types of rental property in El Paso
About 70% of homes in El Paso are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
El Paso versus other large Texas communities
In Houston, 58% of occupied homes are rented and the median value is $277,800. San Antonio has a renter share of 48% with homes valued around $235,700 at the median. Nearby Dallas reports 58% renter households and a $320,700 median home value, so proportionally more renters than El Paso. By renter share, El Paso is number 23 on our list of 30 Texas cities. Roughly 19% of homes in El Paso are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in El Paso
In El Paso, think about wind and hurricane exposure near the Gulf coast first, then winter freeze events that burst pipes. Both appear frequently in Texas property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in El Paso
- Current insurer and any losses in five years
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- The El Paso address and how many units it has
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Any system updates, with years
Request a El Paso landlord quote
El Paso landlord insurance questions
What share of El Paso homes are rentals?
About 39% of occupied homes in El Paso, roughly 96,177 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do El Paso landlords have to carry insurance?
No Texas law mandates it for El Paso owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in El Paso?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near El Paso
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.