Garland, TX
Rental property insurance for Garland landlords
Coverage for rental homes and 2–4 unit buildings in Garland, with local Census housing data. A quote is not a binder.
Garland is home to roughly 250,431 people in Dallas County, and about 38% of its 81,954 occupied homes are rented rather than owner-occupied, close to the Texas rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Census snapshot: Garland housing
| Measure | Garland | Texas |
|---|---|---|
| Renter-occupied homes | 38% (31,463) | 37% |
| Median owner-occupied home value | $270,800 | $283,800 |
| Median gross rent | $1,641/mo | $1,403/mo |
| Median year structure built | 1978 | 1992 |
| Homes in 2–4 unit buildings | 4% | 5% |
| Single-family homes (detached or attached) | 72% | 67% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Insured value and premium context in Garland
Homes in Garland carry a median value near $270,800 according to the Census, compared with $283,800 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around Garland's median, the closest NAIC benchmark is the $250,000–$274,999 band, where the 2023 Texas dwelling-fire average was $1,757. The all-amounts state figure was $1,226.
Protecting rental income in Garland
Median gross rent in Garland is about $1,641 a month. A year of lost rent at that level is roughly $19,692 per unit, a useful yardstick when you choose fair rental value coverage.
How old Garland's housing is, and why it matters
A median build year of 1978 puts much of Garland's rental stock in the 1960s–70s range. Some homes from that period used aluminum branch wiring or now-obsolete panels, so disclose upgrades clearly.
Single-family, small multi-unit, and apartments in Garland
About 72% of homes in Garland 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.
Garland versus other large Texas communities
Nearby Dallas reports 58% renter households and a $320,700 median home value, so proportionally more renters than Garland. In Irving, 62% of occupied homes are rented and the median value is $315,600. In Grand Prairie, 41% of occupied homes are rented and the median value is $295,500. Garland places 24 of 30 profiled Texas cities by share of rented homes. Roughly 24% of homes in Garland are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Garland weather exposures that affect landlord claims
Texas landlords generally plan around flash and coastal flooding, which needs separate flood coverage, hail, especially across North and Central Texas, and wind and hurricane exposure near the Gulf coast. Those exposures apply in Garland as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
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 Garland
- Lease type and whether the unit is ever empty
- Any system updates, with years
- Current insurer and any losses in five years
- Mortgage company details, if financed
- Liability limit and months of rent to protect
- The Garland address and how many units it has
- When the building went up and when the roof was last replaced
Request a Garland landlord quote
Garland landlord insurance questions
How many renters live in Garland?
About 38% of occupied homes in Garland, roughly 31,463 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Garland?
No Texas law mandates it for Garland owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in Garland?
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.
Other Texas cities
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.