P&C Landlord Insurance

Texas Tenant Dwelling Insurance

P&C dwelling insurance is designed to protect property owners who rent those properties to others as a home. Landlords face unique and significant liabilities and risks in renting-out their properties. Although landlord insurance isn’t required by Texas law, property owners are nonetheless bound by certain legal obligations to their tenants.

P&C Dwelling Insurance: Coverage for Landlord Obligations

Also known as ‘Tenant Occupied Property Insurance’ or ‘Landlord Insurance,’ tenant dwelling insurance helps you fulfil your obligations if unexpected disaster or accident befalls your property and/or tenants.

If you own rental property in P&C dwelling insurance is a must for protecting this important investment.

P&C Dwelling Insurance Tailored to Your Needs

When you purchase a P&C dwelling insurance policy from P&C, you have considerable latitude in regards to customizing the policy to suit your needs. A big part of our job is helping you understand how all the pieces fit. We’ll review all your unique risks and liabilities with you, thoroughly addressing any questions. We’ll help you make informed decisions regarding appropriate coverages for you and your tenants.

What Does P&C Dwelling Insurance Cover

As mentioned, coverage types and amounts can vary significantly from one landlord insurance policy to another. However, the following are coverage types commonly offered by a landlord insurance policy:

Tenant Dwelling Insurance Building Coverage

This coverage type provides protection for various buildings and structures on the property. In addition to the buildings that house tenants, other covered structures can include garages, storage buildings, swimming pools, fences, retaining walls, and other structures. Additionally, any personal property used by the landlord to maintain and/or service the property is also protected by building coverage.

Tenant Dwelling Insurance Liability Coverage

This kind of coverage protects the property owner from liability claims arising due to tenant bodily injury and/or damage/loss to tenant property.

Tenant Dwelling Insurance Loss of Income Coverage

If you’re forced to temporarily suspend operations of your insured property, this coverage reimburses you, the property owner, for loss of business income while you’re shut down.

Tenant Dwelling Insurance Equipment Breakdown Coverage

This coverage type reimburses the landlord for damages to insured property caused by mechanical failures of insured equipment.

Tenant Dwelling Insurance Tenant Move Back Coverage

If you’re forced to temporarily relocate your tenants to alternate living accommodations due to an insured event, move back coverage helps defray the cost of moving them back home once your property is again habitable.

Tenant Dwelling Insurance Heating or AIr Conditioning Loss Coverage

This coverage provides reimbursement for payments made to a tenant if a mechanical failure causes complete failure of heating or air conditioning in a tenant’s residence.

Call P&C for a Free Tenant Dwelling Insurance Quote

If you’re shopping for landlord insurance in Comfort, Texas, we’d be thrilled to hear from you! As an independent insurance agency in Comfort, we partner with numerous landlord insurance carriers. We’ll do the shopping around for you!

At P&C, we'll answer all your questions about landlord insurance and help you make informed coverage decisions. Visit the contact us page or call us at 830-995-2330.