Protect your Texas investment portfolio. From single-family rentals to apartment complexes, office buildings to industrial properties.
Comprehensive protection for your investment properties and rental portfolios
Covers your buildings and structures against fire, wind, hail, theft, and other covered perils. Includes building materials, fixtures, and permanently installed equipment.
Protects against claims from tenants and visitors for bodily injury or property damage on your premises. Essential for multi-tenant properties.
Replaces lost rental income when a covered loss makes your property uninhabitable. Keeps cash flow steady during repairs.
Additional liability protection above your primary policies. Critical for portfolios with significant asset exposure.
Separate coverage for flood damage—not covered by standard property policies. Required in many Texas flood zones.
Protection against seismic activity damage. Texas has increasing earthquake activity in certain regions due to oil and gas operations.
Specialized coverage for every type of investment property
Multi-family properties from duplexes to large apartment complexes
Single-tenant and multi-tenant office properties
Strip malls, shopping centers, and standalone retail
Distribution centers, manufacturing facilities, flex space
Residential over retail, live-work spaces, urban infill
Investment homes, vacation rentals, short-term rentals
Tailored solutions for your investment strategy
Own 1-10 properties personally or in LLCs
Portfolio policies that bundle multiple properties, umbrella coverage to protect personal assets
Pool investor capital for larger acquisitions
Entity coverage, investor liability protection, SEC compliance considerations
Institutional-scale portfolios
Master policies, D&O coverage, fiduciary liability, sophisticated risk management
Manage properties for third-party owners
E&O coverage, hired/non-owned auto, employee practices liability, fidelity bonds
Acquire, renovate, and resell properties
Builders risk during renovation, vacant property coverage, short-term policies
Ground-up construction and major repositioning
Course of construction coverage, wrap-ups (OCIP/CCIP), completion bonds
We understand multi-property coverage structures
Access to A-rated carriers competing for your business
Quick turnaround for acquisition deadlines
Texas-based team that knows local markets
At minimum, you need commercial property insurance (for the building) and general liability insurance (for injuries on your property). Most investors also carry loss of rents coverage, umbrella liability, and flood insurance if in a flood zone. The specific coverage depends on property type, financing requirements, and risk tolerance.
Yes. Homeowners insurance covers owner-occupied properties. Landlord/rental property insurance (also called DP-3 or landlord packages) is specifically designed for investment properties. It excludes tenant belongings (tenants need renters insurance) but includes landlord-specific coverage like loss of rents and landlord liability.
Strongly recommended. Texas juries can award large verdicts in premises liability cases. An umbrella policy provides additional liability protection ($1M-$100M) above your primary policies. For real estate investors with multiple properties or significant assets, umbrella coverage is essential asset protection.
Portfolio policies (also called blanket policies) bundle multiple properties under one policy with shared limits or separate limits per location. This is often more cost-effective than individual policies and simplifies administration. We can structure portfolio coverage for any size portfolio.
Ordinance or law coverage pays for the additional cost to rebuild to current building codes after a loss. In Texas, older buildings may need significant upgrades (electrical, plumbing, ADA compliance) when rebuilt. This coverage is especially important for properties built before current codes.
Rates vary widely based on property type, age, construction, location, and claims history. Coastal properties cost more due to hurricane exposure. Generally, expect $0.50-$2.00 per $100 of insured value annually. A $1M building might cost $5,000-$20,000/year depending on these factors.
Get a comprehensive property review and competitive quotes for your Texas investment properties.