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Landlord and Investor Bundle

One bad tenant, one vacant property, one lawsuit. Don't let it take down everything you've built.

What's Covered

I've managed rental properties and bought houses to fix and flip. I know what a standard homeowners policy misses the moment a tenant moves in or a property sits vacant.

This bundle is built around what landlords and investors actually need, not what a general agent guesses at.

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Dwelling Fire & Landlord Policy

Your rental property is not covered under a standard homeowners policy. This is the right policy for properties you own but don't live in.

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Landlord Liability.

If a tenant or visitor is injured on your property, you need protection. This covers bodily injury and property damage claims against you as the owner.

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Loss of Rental Income.

If a covered loss makes your property uninhabitable, this keeps the rent coming in while repairs are made.

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Vacant Property Insurance.

Standard policies exclude vacant properties after 30 to 60 days. If you're between tenants, renovating, or flipping, you need this.

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Builders Risk.

Covers the structure during construction or renovation. Protects your investment before it's finished.

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Short-Term Rental Coverage.

If you rent on Airbnb or VRBO, your standard policy won't cover it. This one does.

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Auto.

Whether you're driving to check on properties or hauling materials, your vehicle needs to be covered for how you actually use it.

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Umbrella Liability.

One lawsuit can exceed a single policy's limits. Umbrella stops the bleed across all your properties.

Do I need a separate policy for a rental property?

Yes. The moment someone pays you rent, a standard homeowners policy typically excludes coverage. A dwelling fire or landlord policy is built specifically for properties you own but don't occupy.

What happens if my property sits vacant?

Most standard policies exclude vacant properties after 30 to 60 days. Vacant property insurance fills that gap, whether you're between tenants, mid-renovation, or holding a property before a flip.

Does my homeowners policy cover an Airbnb or VRBO rental?

No. The moment you accept payment from a guest, your standard homeowners policy typically excludes coverage. Short-term rental insurance is built for exactly this situation.

What is builders' risk insurance?

Builders' risk covers a structure during construction or renovation. If you are fixing and flipping, this protects your investment from fire, theft, vandalism, and weather damage before the project is complete.

Do you cover investors with multiple properties?

Yes. Whether you own one rental house or a portfolio of properties, we build coverage around your actual operation.

This is Texas. You work hard, you shoot straight — so do I. No pushy sales, no fine print surprises.

Just the right coverage, explained in plain English.

We know the difference between a rental property and a primary residence, and between a fix and flip and a long-term hold.

Your coverage should reflect that.

Ready to protect what you've built? Takes less than 5 minutes to start. No pressure, no jargon, no BS.

Get Landlord and Investor Quote