Landlord insurance in Lewisville, Texas

Census estimates put Lewisville's renter-occupied share at 54%, or roughly 27,874 of 51,915 occupied homes. Compared with 37% across Texas, that is above average, and it tells you a lot about the local rental stock owners are insuring.

Key housing figures for Lewisville, TX

Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).

What home values in Lewisville mean for your dwelling limit

Lewisville's median home value, roughly $378,500, 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 $2,083 in the $350,000–$399,999 coverage band, which brackets Lewisville'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.

Fair rental value coverage for Lewisville units

With median gross rent near $1,670 per month, twelve months of interrupted income in Lewisville comes to about $20,040 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.

Older vs. newer rentals in Lewisville

Half of Lewisville's homes were built before 1997 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.

Lewisville's mix of rental buildings

Roughly 52% of Lewisville homes are single-family, 6% sit in small 2–4 unit buildings, and 40% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.

Lewisville next to other Texas rental cities

For comparison, Denton comes in at 50% rented and $348,200 median value, with median rent of $1,420. In Carrollton, 41% of occupied homes are rented and the median value is $381,000. Houston has a renter share of 58% with homes valued around $277,800 at the median. Among the 30 largest Texas cities we profile, Lewisville ranks 6 for renter share. Roughly 40% of homes in Lewisville are in buildings of five or more units, the point where most owners move to commercial apartment policies.

Lewisville weather exposures that affect landlord claims

For rentals in Lewisville, the hazards that most often shape Texas landlord coverage include flash and coastal flooding, which needs separate flood coverage and hail, especially across North and Central Texas. Ask how your policy handles each, and whether any separate deductible applies.

Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.

Your Lewisville quote checklist

• Liability limit and months of rent to protect
• Property location in Lewisville and unit count
• Year built and roof age
• Occupancy: long-term lease, month-to-month, short-term, or vacant
• Electrical, plumbing, and heating update years
• Current insurer and any losses in five years
• Lender name for the mortgagee clause

Request a Lewisville landlord quote

Questions from Lewisville rental owners

Other Texas cities

• Denton
• Carrollton
• Houston
• San Antonio
• Dallas
• Fort Worth
• Austin
• El Paso

Landlord insurance in Texas · Cost by state

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