Landlord Insurance Quote
Landlord Insurance
If you rent out a home, duplex, or apartment in Lubbock — whether it's a single property near Texas Tech or a growing portfolio — landlord insurance protects your investment in ways a standard homeowners policy can't. The Jonathan Shaw Agency helps local property owners cover their rentals against damage, liability, and lost rental income. As an independent agency, we shop multiple carriers to match your property and your goals with the right coverage at a competitive price.
What Landlord Insurance Covers
A landlord (or "dwelling") policy is built for rented property and typically includes:
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Dwelling & other structures — covers the rental building and structures like detached garages or sheds against covered events.
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Liability — protects you if a tenant or visitor is injured on the property and you're found responsible.
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Loss of rental income — replaces the rent you'd lose if a covered event makes the property temporarily uninhabitable.
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Landlord's personal property — covers items you provide to service the rental, like appliances, lawn equipment, or furnishings.
How It Differs From Homeowners Insurance
This is the part many property owners get wrong: a standard homeowners policy generally won't cover a property you rent out, and filing a rental claim on a homeowners policy can lead to a denial. Landlord insurance is built for the different risks of a rental — tenant-related liability and lost rental income chief among them. If you've turned a former home into a rental, it's important to switch to the right policy.
Frequently Asked Questions
Do I need landlord insurance if I rent out my house?
Yes. Once a property is rented to tenants, a homeowners policy typically no longer applies, and a landlord policy is what protects the building, your liability, and your rental income. We'll help you make sure your coverage matches how the property is actually used.
Does landlord insurance cover my tenant's belongings?
No — your landlord policy covers the building and your interests, not your tenant's personal property. That's why many Lubbock landlords require tenants to carry their own renters insurance. It's an easy, affordable way to protect everyone, and we're happy to help your tenants get covered too.
Does landlord insurance cover lost rent?
Most policies include loss-of-rental-income coverage, which reimburses the rent you'd lose if a covered event (like a fire) makes the unit uninhabitable while it's repaired. We'll confirm this is included and set at the right amount for your property.
I own several rental properties — how should I insure them?
Owners with multiple rentals often benefit from coordinating coverage, and depending on how your properties are held (for example, in an LLC), a commercial or business owner's policy may be the better fit. We can review your portfolio and recommend the most efficient way to protect it.
Get a Landlord Insurance Quote
Protect your rental investment with coverage built for it. Request a free quote and our Lubbock team will compare your options across multiple carriers, or call us at 806.705.7141.