Irving, TX
Landlord insurance in Irving, Texas
Coverage for rental homes and 2–4 unit buildings in Irving, with local Census housing data. A quote is not a binder.
With an estimated 258,060 residents, Irving has around 58,699 renter households, about 62% of occupied housing. Statewide, Texas sits at 37%, so Irving's rental share is above the state figure.
Census snapshot: Irving housing
| Measure | Irving | Texas |
|---|---|---|
| Renter-occupied homes | 62% (58,699) | 37% |
| Median owner-occupied home value | $315,600 | $283,800 |
| Median gross rent | $1,619/mo | $1,403/mo |
| Median year structure built | 1986 | 1992 |
| Homes in 2–4 unit buildings | 8% | 5% |
| Single-family homes (detached or attached) | 43% | 67% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Irving
The median owner-occupied home in Irving is valued at about $315,600, higher than the Texas median of $283,800. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
For context, the NAIC reported that Texas dwelling-fire policies insuring $300,000 to $324,999 averaged $1,933 a year in 2023, against a statewide dwelling-fire average of $1,226. Those are owner-occupied dwelling-form figures, not landlord quotes.
Fair rental value coverage for Irving units
Rents in Irving center on about $1,619 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $19,428 per unit at the median.
How old Irving's housing is, and why it matters
Irving's median home dates to about 1986. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
What Irving landlords typically own
Roughly 43% of Irving homes are single-family, 8% sit in small 2–4 unit buildings, and 48% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
How Irving compares with nearby Texas markets
Dallas has a renter share of 58% with homes valued around $320,700 at the median. In Garland, 38% of occupied homes are rented and the median value is $270,800. Grand Prairie has a renter share of 41% with homes valued around $295,500 at the median. Among the 30 largest Texas cities we profile, Irving ranks 2 for renter share. Roughly 48% of homes in Irving are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Irving 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 Irving 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 Irving
- Your existing policy and recent claims
- Who holds the loan, for the mortgagee clause
- How much liability and lost rent you want covered
- Property location in Irving and unit count
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
Request a Irving landlord quote
Questions from Irving rental owners
What share of Irving homes are rentals?
About 62% of occupied homes in Irving, roughly 58,699 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Irving?
Not by statute. In practice, a Irving rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Irving?
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.