San Antonio, TX
San Antonio, TX landlord and rental property insurance
Coverage for rental homes and 2–4 unit buildings in San Antonio, with local Census housing data. A quote is not a binder.
Census estimates put San Antonio's renter-occupied share at 48%, or roughly 265,201 of 554,581 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.
San Antonio rental housing by the numbers
| Measure | San Antonio | Texas |
|---|---|---|
| Renter-occupied homes | 48% (265,201) | 37% |
| Median owner-occupied home value | $235,700 | $283,800 |
| Median gross rent | $1,324/mo | $1,403/mo |
| Median year structure built | 1985 | 1992 |
| Homes in 2–4 unit buildings | 7% | 5% |
| Single-family homes (detached or attached) | 61% | 67% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Setting coverage on a San Antonio rental
At a median home value of $235,700, San Antonio is lower than Texas overall ($283,800). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around San Antonio's median, the closest NAIC benchmark is the $225,000–$249,999 band, where the 2023 Texas dwelling-fire average was $1,692. The all-amounts state figure was $1,226.
Fair rental value coverage for San Antonio units
Median gross rent in San Antonio is about $1,324 a month. A year of lost rent at that level is roughly $15,888 per unit, a useful yardstick when you choose fair rental value coverage.
How old San Antonio's housing is, and why it matters
San Antonio's median home dates to about 1985. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
What San Antonio landlords typically own
Roughly 61% of San Antonio homes are single-family, 7% sit in small 2–4 unit buildings, and 30% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
San Antonio next to other Texas rental cities
For comparison, Houston comes in at 58% rented and $277,800 median value, with median rent of $1,361. Dallas has a renter share of 58% with homes valued around $320,700 at the median. For comparison, Fort Worth comes in at 43% rented and $303,000 median value, with median rent of $1,509. Among the 30 largest Texas cities we profile, San Antonio ranks 11 for renter share. Buildings with five or more units hold about 30% of San Antonio's homes; those generally need commercial apartment coverage rather than dwelling forms.
Natural hazards San Antonio landlords plan for
Typical Texas property risks such as hail, especially across North and Central Texas and wind and hurricane exposure near the Gulf coast affect owners in San Antonio and the rest of Bexar County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
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 San Antonio
- Year built and roof age
- How it is occupied today, including any vacancy or short-term use
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Who holds the loan, for the mortgagee clause
- How much liability and lost rent you want covered
- The San Antonio address and how many units it has
Request a San Antonio landlord quote
San Antonio landlord insurance questions
How many renters live in San Antonio?
About 48% of occupied homes in San Antonio, roughly 265,201 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do San Antonio landlords have to carry insurance?
No Texas law mandates it for San Antonio owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in San Antonio?
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.