Best Short-Term Rental Insurance in Texas (2026)
Independent comparison of Proper, Steadily, Obie, Foremost, and CBIZ for Texas hosts. Typical single-family STR coverage runs $1,000 to $2,000 a year.
Landlord
Does Landlord Insurance Cover Tenant Damage in Texas?
Accidental tenant damage from a covered peril is insured, wear and tear never is, and Texas law lets landlords deduct real damage from the security deposit.
Fair Rental Value Coverage: How Loss of Rent Actually Pays
Fair rental value coverage pays market rent, not lease rent, while a covered loss keeps a rental unfit — on a DP-3, up to 20% of the dwelling limit.
Proper vs Steadily vs Obie: Which Rental Insurer Fits Your Property
Proper insures short-term rentals on a Lloyd's-backed commercial form, while Steadily and Obie write dwelling fire policies. The structure decides the fit.
Umbrella Policy vs LLC for Texas Rental Properties
A $1 million umbrella runs $150 to $300 a year, but it generally will not cover a rental owned by your LLC. How to layer insurance and entity protection.
Vacant Home Insurance in Texas: Coverage Between Tenants, Flips, and Estates
Standard policies cut vandalism, theft, and glass coverage after 60 vacant days. How Texas owners insure homes between tenants, during flips, and in estates.
What Landlord Insurance Covers and Costs in Texas
Texas landlord insurance averages $1,584 to $1,714 per year, and this guide explains what a DP-3 policy covers, what it excludes, and how it differs from homeowners insurance.