Landlord on PolicyComparedhttps://policycompared.com/categories/landlord/Recent content in Landlord on PolicyComparedHugoen-usTue, 25 Aug 2026 00:00:00 +0000What Landlord Insurance Covers and Costs in Texashttps://policycompared.com/guides/landlord-insurance-texas/Tue, 25 Aug 2026 00:00:00 +0000https://policycompared.com/guides/landlord-insurance-texas/<p>Landlord insurance in Texas costs less than most owners expect, but the policy behind the price matters more than the price itself. This guide covers what a Texas landlord policy costs in 2026, what a dwelling fire policy actually pays for, what it excludes, and where short-term rentals break the standard coverage model.</p> <h2 id="what-a-landlord-policy-actually-is">What a landlord policy actually is</h2> <p>Insurers do not sell a product called &ldquo;landlord insurance.&rdquo; The policy you buy is a dwelling fire policy, written on one of three standard forms: DP-1, DP-2, or DP-3. The form number tells you how broad the coverage is. DP-1 is the narrowest and DP-3 is the broadest.</p>