Boerne, Texas
116 N Plant Ave
Boerne, TX 78006
(830) 816-9488

A Guide to Landlord Insurance January 28, 2020

Boerne, Kendall
A Guide to Landlord Insurance, Boerne, Texas

Whether you’re renting out a room in your home or leasing units in an apartment building, unexpected circumstances can affect your business plan. Landlord insurance provides financial peace of mind. The following guide discusses what is covered and not covered under a typical policy.

What Is Landlord Insurance?

This type of coverage pays for the repairs and replacement costs connected to damage in a rental space. Most policies provide protection for property and liability situations involving physical injuries and legal claims.

What Is Covered?

The main type of coverage extends to property damage in the rented space, including that caused by fire, plumbing leaks, electrical or gas problems, and vandalism. Depending on the policy, landlord insurance includes damage to furniture, appliances, and other property the landlord owns that is being used by the tenant.

insuranceIf a tenant or their guest is injured while in your rental property, this coverage will pay for their medical treatment. In case you’re sued by the injured party, most policies also cover attorney fees, court costs, and legal settlements up to a certain limit.

There might be instances when your rental space is temporarily uninhabitable due to an infestation of termites or mold. Landlord insurance will typically cover the rental income you would have received for that same period. 

What Is Not Covered?

Policies will vary with each provider. However, a standard plan won’t likely cover your tenant’s personal possessions. As a condition of obtaining the lease, some landlords require tenants to secure renters insurance to protect their valuables in case of damage or theft.

If you’re renting a room in your house, there may be provisions within your homeowners insurance policy that restrict obtaining separate landlord insurance coverage. Some carriers will allow existing homeowners insurance policyholders to add endorsements to cover the room they are leasing to tenants. 


Since 1991, Michael E Glick Insurance has provided comprehensive coverage to clients who manage rental property. The Boerne, TX-agency serves all of central Texas and Hill Country with products designed to fit your unique property and liability needs. To learn more and receive a free review of your current policies, call (830) 816-9488. You can also go online for information about landlord insurance. 

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