Landlord Insurance in Temple, Texas

What Is Landlord Insurance?

Landlord insurance is commercial coverage designed for rental property owners. It protects your buildings, covers liability if tenants or visitors are injured, and replaces lost rental income when covered damage makes your property uninhabitable. Standard homeowners insurance doesn't cover properties you rent to others. For Temple landlords and property investors, landlord insurance is essential protection for your rental business.

Winkler Insurance helps Central Texas landlords find comprehensive coverage that protects their rental properties and income.

Why Temple Landlords Need Landlord Insurance

Rental properties face different risks than owner-occupied homes. Here's why specialized coverage matters:

• Homeowners insurance excludes rentals. Renting your property voids standard homeowners coverage.


• Tenant activities increase risk. You can't control how tenants treat your property or who they invite over.


• Liability exposure is significant. Injuries on your property can result in substantial lawsuits.


• Lost rent hurts your cash flow. If fire or storm damage makes your property unrentable, you lose income during repairs.


• Lenders require coverage. Investment property mortgages require landlord insurance.

What Does Landlord Insurance Cover?

A landlord insurance policy typically includes:

Dwelling Coverage
Covers the building structure against fire, wind, hail, lightning, vandalism, and other covered perils.

Other Structures
Covers detached garages, sheds, fences, and other structures on the rental property.

Landlord Liability
Covers legal fees and damages if tenants, guests, or others are injured on your property.

Fair Rental Income
Replaces lost rent when covered damage makes your property uninhabitable during repairs.

Landlord Contents
Covers appliances and items you provide for tenants—refrigerators, washers, dryers, and lawn equipment.

What Landlord Insurance Does Not Cover

Important exclusions to understand:

• Tenant belongings are not covered—tenants need their own renters insurance.


• Flood damage requires a separate flood insurance policy.


• Normal wear and tear is not covered.


• Tenant damage beyond security deposits may require additional coverage or legal action.

Many Temple landlords require tenants to carry renters insurance as a lease condition.

How Much Does Landlord Insurance Cost in Texas?

Landlord insurance typically costs 15-25% more than comparable homeowners coverage due to increased risk. Most Temple landlords pay $1,000 to $2,500 annually per property depending on the building's value, age, location, and coverage limits. Multi-property discounts are often available. Winkler Insurance compares landlord policies from multiple carriers to find competitive rates.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas landlords protect their rental investments. As an independent agency, we work with carriers experienced in rental property coverage. Our Temple agents understand landlord needs and find policies that protect your buildings, liability, and rental income.

Get a Landlord Insurance Quote in Temple, Texas

Our landlord insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.