David King Insurance
Competitive Price, Trusted Advice
Rental Property Insurance
in Texas
Experience easy access to affordable, high-quality insurance at David King Insurance.
Proudly Serving Texas, Oklahoma, Arkansas, New Mexico, Colorado, Connecticut, Iowa, & Washington.
At David King Insurance, we help property owners in Texas find tailored insurance options for their rental and investment properties. Whether you're managing a single-family home, a multi-unit building, or a vacation rental, our goal is to simplify the process so you can focus on growing your real estate investments.
What Is Rental Property Insurance?
Rental property insurance is designed to help property owners manage the risks that come with leasing out real estate. Often called landlord insurance, this type of policy typically offers coverage options related to the structure of the building and liability concerns. It's different from homeowners insurance, which is intended for owner-occupied residences.
If your property is tenant-occupied, a rental property policy may provide protection options tailored for that situation. Depending on the insurer and specific policy, coverage might include dwelling protection, liability support, and loss of rental income due to covered damages.
Why Do Texas Property Owners Need Investment Property Insurance?
Texas has a growing real estate market, and with that growth comes opportunity—and risk. Whether you're purchasing a short-term rental in Austin, a duplex in Dallas, or a student housing unit in College Station, your investment property faces a unique set of exposures.
Investment property insurance is crafted to address those exposures. It can help safeguard your financial interests and provide peace of mind as your real estate portfolio grows. Coverage needs can vary depending on how the property is used, its location, and whether it's vacant, leased, or under renovation.
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"Beverly and everyone in the office is amazing! I highly recommend coming here for your insurance needs. They take the stress and hassle out of shopping for quotes and make you feel taken care of through the entire process whether it’s claims or quotes etc"
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"After being with another very large insurance provider for over 25 years, I made the move to David King Insurance Services. My agent, Brady King, has been instrumental in finding the best insurance rates and policies since I switched. His level of customer service is truly unsurpassed. Thanks Brady!."
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"I have received great advice, attention, and service from Beverly at David King Insurance for over 15 years. Their recommendations for our car and home insurance have been spot-on for our needs—from moving to a new city to college auto coverage in other states. I highly recommend their services."
– Sheryl Campbell
What Types of Properties Can Be Covered?
Insurance options are often available for a range of property types in Texas. Some of the most common include:
Single-family rental homes
Duplexes and triplexes
Apartment buildings
Vacation rentals and Airbnbs
Student housing
Fix-and-flip or vacant homes
Mixed-use buildings
Whether you're a first-time landlord or an experienced investor with multiple properties, we’ll work with you to identify a policy that aligns with your goals and property type.
How Does Rental Property Insurance Differ From Homeowners Insurance?
While homeowners insurance is meant for primary residences, rental property insurance is structured around properties that are tenant-occupied. The coverage focus is generally different. For example:
Dwelling Protection: May help repair or rebuild the structure if damaged by covered perils.
Liability Coverage: Can offer protection if someone is injured on the property.
Loss of Rental Income: In some cases, policies may offer reimbursement for lost income if the property becomes uninhabitable due to a covered event.
Keep in mind, policy terms and coverages vary by provider. It's important to review the fine print and ask questions.
Can I Insure a Vacant Property or a Flip?
Yes, some insurers offer coverage for properties that are vacant, under renovation, or intended for resale. These types of properties are often seen as higher-risk and may require specialized policies. If you're flipping houses in Texas or holding properties for appreciation, it's essential to consider options tailored for your situation.
Vacant property insurance typically has different terms than standard landlord coverage. We'll help you understand the distinctions so you can make an informed choice.
What About Short-Term Rental Insurance in Texas?
If you're leasing your property on platforms like Airbnb or Vrbo, traditional landlord policies may not apply. Short-term rental insurance, such as Airbnb Insurance, is often necessary in these cases. It may offer a blend of landlord and hospitality coverage features, depending on the insurer.
Some policies are designed to accommodate occasional short-term rentals, while others are structured for full-time vacation rental operations. We can help determine what's appropriate based on how frequently the property is rented and other risk factors.
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How Much Does Investment Property Insurance Cost in Texas?
Costs can vary widely depending on several factors:
Location and age of the property
Construction materials and condition
Number of units
Whether the property is occupied or vacant
Type of coverage selected
Deductibles and policy limits
Premiums for Texas properties might be higher in areas with increased exposure to weather events like hurricanes or hail. We’ll walk you through different pricing options to help you balance protection and budget.
How Can David King Insurance Help?
As an independent agency, David King Insurance has access to a wide network of insurance carriers. That means we can shop around on your behalf and offer options that are tailored to your unique needs as a Texas property owner.
Our team understands that no two properties—or property owners—are the same. Whether you're managing a long-term rental in Houston or launching your first Airbnb in San Antonio, we provide personalized guidance and ongoing support.
We don’t just help you get insured—we help you stay protected.
How Can I Learn More About Rental Property Insurance?
If you own or are planning to purchase rental or investment property in Texas, now is the time to consider your insurance options. The right policy can make a big difference when unexpected events arise.
Whether you're starting small or scaling fast, we're here to support your success in Texas real estate. Contact David King Insurance today for a no-pressure consultation. We’ll take the time to understand your goals and help you find insurance solutions that fit your property, your strategy, and your peace of mind.
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Company: 549 E Sandy Lake Rd #100, Coppell TX 75019
Phone: (972) 393-3311
Email: [email protected]
