From Houston fourplexes to Austin single-family rentals, Lumin writes landlord, builder's risk, vacant, and short-term rental coverage across Texas — with rates compared across underwriters who actually understand wind, hail, and Gulf Coast risk.
Licensed with the Texas Department of Insurance.
Texas policies commonly carry a separate wind/hail deductible — typically 1–2% of the dwelling limit rather than a flat dollar amount. On a $300,000 rental that's $3,000–$6,000 out of pocket per hail claim, so the deductible structure matters as much as the premium. We'll show you both side by side.
In the 14 coastal counties (Galveston, Corpus Christi, and the rest of the Tier 1 seacoast), many standard policies exclude windstorm — investors there often pair their landlord policy with coverage through TWIA or a carrier that writes coastal wind. If your property is near the coast, flag it in the quote and we'll structure it correctly.
Harvey flooded tens of thousands of homes outside mapped flood zones. Landlord policies exclude flood — it's always a separate policy — and lenders only require it in mapped zones. For Houston-area rentals especially, it's worth pricing even when it's not required.
Expansive clay soils across DFW, Austin, and San Antonio make slab and plumbing claims common. Sudden water damage is generally covered; slow leaks and foundation movement generally aren't. Good maintenance records keep claims clean — and ask us about water damage sub-limits before you bind.
Every metro, every county — these are just the markets we see most.
High cash-flow rentals where flood structuring matters most.
Hail alley — wind/hail deductible structure drives the real cost.
Steady rental demand, older housing stock — age-of-roof matters.
Higher values, STR-heavy — make sure hosting use is disclosed.
Affordable entry points and some of the state's lowest premiums.
Tier 1 windstorm territory — coverage needs careful structuring.
Texas law doesn't require it — but your mortgage lender will, and renting out a home on a homeowners policy without disclosure is a fast route to a denied claim. If the property carries debt or you can't absorb a total loss, treat it as required.
Texas premiums run above the national average, driven by hail and wind exposure — and they vary a lot by metro, roof age, and deductible structure. The percentage wind/hail deductible is where quotes really differ; we compare across underwriters so you can see total cost of risk, not just premium.
Wind damage is covered in most of the state, subject to the wind/hail deductible. In Tier 1 coastal counties, windstorm is often excluded and written separately (commonly through TWIA). Storm surge and flooding are never covered by a landlord policy — that's flood insurance, a separate policy.
Yes — single family rentals, 2–4 unit multifamily, apartments, condos, flips mid-renovation, and vacant holds, written to your LLC or personal name. One agent, one conversation, every property.
The full guide to coverage for tenant-occupied rentals.
Builder's risk for Texas renovation projects.
For Austin, Galveston, and Hill Country STR operators.
Rates compared across underwriters who understand Texas risk. Quote in ~4 minutes.