Texas Landlord Insurance Cost (2026): Dwelling Fire Benchmarks, TDI Data and What Drives Your Quote
What landlord insurance costs in Texas: why no official landlord average exists, NAIC 2023 dwelling fire benchmarks by coverage amount, TDI homeowners and residential fire data, TWIA wind and FAIR Plan context.
Last verified October 11, 2026 · Insurance 8020 is not a licensed insurance producer, broker or agent and does not sell policies.
Neither the Texas Department of Insurance nor the NAIC publishes an average landlord insurance premium for Texas rentals. What they do publish are useful benchmarks: the NAIC’s 2023 Texas dwelling fire form average of $1,226 for one-family owner-occupied buildings, TDI’s $3,489 average homeowners premium, and TDI’s residential fire and allied lines market, where TWIA writes more than a third of the premium. This guide explains those numbers, what they leave out, and what moves a Texas rental quote.
Key Takeaways
- There is no official Texas landlord average. TDI and the NAIC do not publish a statewide premium average for landlord or DP-3 policies.
- The dwelling fire form averaged $1,226 in Texas in 2023. That NAIC figure, collected for one-family owner-occupied homes, was 20.3% above the $1,019 countrywide dwelling fire average.
- Coverage amount drives the price. Texas dwelling fire policies in the NAIC data averaged $866 under $150,000 of coverage, $1,933 at $300,000 to $324,999 and $4,854 at $1 million or more.
- TDI’s homeowners average is $3,489. That Statistical Plan figure is for homeowners policies, not landlord forms, and is useful only as an owner-occupied comparison.
- TWIA dominates coastal wind. TWIA wrote 33.96% of Texas residential fire and allied lines premium in 2025.
- The FAIR Plan is growing as a last resort. The Texas FAIR Plan Association wrote 1.11% of Texas homeowners premium in 2025, up 25.21% from 2024.
How much does landlord insurance cost in Texas?
There is no TDI or NAIC table titled “Texas landlord insurance premium.” Landlord policies are priced address by address on rebuild cost, hail and wind exposure, liability limit, deductible and claim history. The closest official benchmarks are below. Treat them as context for your quote, not as a quote.
| Official benchmark | Figure | Source and notes |
|---|---|---|
| Texas dwelling fire average premium | $1,226 | NAIC, 2023 data, one-family owner-occupied dwelling fire policies |
| Countrywide dwelling fire average premium | $1,019 | NAIC, 2023 data |
| Texas HO-3 (owner-occupied) average | $2,864 | NAIC, 2023 data, for comparison |
| TDI average homeowners premium | $3,489 | TDI Statistical Plan, 2025 active policies |
| Texas renters (HO-4) average, paid by tenants | $201 | NAIC, 2023 data |
| Residential fire premiums on policies / policies | about $2,427 | Our calculation: $3.068 billion / 1,264,247 policies written, 2025; fire and allied lines, not a landlord average |
Two cautions. First, the NAIC collects its dwelling fire series for one-family, owner-occupied, non-seasonal buildings and says those figures are not directly comparable with its homeowners data. It shows what the dwelling fire form costs in Texas, not what landlords pay. Second, TDI’s residential fire and allied lines average blends TWIA wind policies, voluntary fire writers and other allied coverages. It is not a DP-3 or landlord package average.
Texas dwelling fire cost by coverage amount
One of the biggest drivers of any dwelling premium is how much coverage you carry. NAIC’s 2023 Texas table for the dwelling fire form (owner-occupied homes) shows the average premium climbing with each coverage band, and the same rebuild-cost logic applies when a landlord form is rated:
| Dwelling coverage amount | Texas dwelling fire average premium (2023) |
|---|---|
| Under $150,000 | $866 |
| $150,000 to $199,999 | $1,438 |
| $250,000 to $274,999 | $1,757 |
| $300,000 to $324,999 | $1,933 |
| $350,000 to $399,999 | $2,083 |
| $400,000 to $449,999 | $2,347 |
| $500,000 to $599,999 | $2,855 |
| $600,000 to $699,999 | $2,926 |
| $700,000 to $999,999 | $3,549 |
| $1,000,000 and over | $4,854 |
Source: NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report, Table 4, Texas, 2023 data. Selected bands shown.
The statewide $1,226 average is pulled down by lower coverage amounts: 87,446.3 of the 146,310.3 Texas dwelling fire house-years (about 59.8%) carried less than $150,000 of coverage. If your rental needs $400,000 of rebuild coverage, the $2,347 band average is a more useful yardstick than the statewide mean. Set the dwelling limit to the cost to rebuild, not the market value of the property; land is not insured.
What TDI data tell landlords about the broader property market
TDI’s homeowners market overview shows how large and how volatile Texas property insurance has been:
- 8,233,096 active homeowners policies and $19.75 billion of direct written premium in 2025.
- A 76.8% combined ratio in 2025 after 105.1% in 2023.
- Hail as the largest peril category in TDI’s 2025 insured-loss chart (about $2.32 billion).
Those figures describe the owner homeowners market, but they matter to landlords because the same hail and wind costs feed into rental underwriting. For the full owner market picture, see our Texas homeowners insurance statistics.
Wind, coastal counties and the residual markets
Location matters as much as rebuild cost for many Texas rentals.
TWIA (wind). TDI says TWIA policies provide wind coverage for property in 14 coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy) and parts of Harris County east of Highway 146. In 2025 TWIA wrote 33.96% of Texas residential fire and allied lines premium ($783.6 million). Ask every landlord quote whether wind is included, excluded, or placed with TWIA.
Texas FAIR Plan. If two voluntary companies decline to write or renew, the FAIR Plan is the residential insurer of last resort. It wrote 1.11% of Texas homeowners multiple-peril premium in 2025 ($220.0 million), up 25.21% from 2024. Confirm what perils and liability limits a FAIR Plan policy includes before you treat it as a full landlord package.
What drives your Texas landlord quote
- Rebuild cost and dwelling limit. As the NAIC bands above show, moving from under $150,000 to $500,000 of dwelling fire coverage more than triples the average premium in the owner-occupied series.
- Hail and wind exposure. Hail led TDI’s 2025 insured-loss chart. Coastal ZIPs may need TWIA for wind.
- Form breadth. A named-peril fire policy costs less than a broader landlord form because it covers less.
- Liability limit. Landlord liability protects you when a tenant or guest is hurt. If you add an umbrella, the underlying limit matters; see our best umbrella insurance companies.
- Loss of rent. Fair rental value coverage replaces rent while a covered loss is repaired. Confirm the number of months included.
- Flood. Major landlord forms, including those from State Farm and Allstate, list flood among common exclusions. Flood needs a separate policy.
Texas landlord vs homeowners vs renters cost
| Policy | Who buys it | Texas figure |
|---|---|---|
| Dwelling fire form | NAIC series: one-family owner-occupied homes | $1,226 (NAIC 2023) |
| HO-3 homeowners | Owner-occupants | $2,864 (NAIC 2023) |
| TDI average homeowners premium | Owner homeowners (Statistical Plan) | $3,489 (2025) |
| HO-6 condo | Condo unit owners | $999 (NAIC 2023) |
| HO-4 renters | Tenants | $201 (NAIC 2023) |
Sources: NAIC Homeowners Report, Texas Tables 4 and 5, 2023 data; TDI homeowners market overview.
No row in this table is a landlord average. A rental that used to be your home usually needs a landlord form once tenants move in, so ask for a landlord quote rather than assuming your old HO-3 premium carries over. Ask tenants to carry renters insurance for their own belongings and liability; at an average of $201 a year in Texas, it is the least expensive layer in the stack.
Practical ways to manage Texas landlord insurance cost
- Get a rebuild estimate and insure to it, not to sale price.
- Hold limits constant when you shop. Compare the same dwelling limit, liability limit, deductible and wind treatment across carriers.
- Ask about hail deductibles and whether wind is included or placed with TWIA.
- Shop several private carriers before the FAIR Plan. Our best landlord insurance companies in Texas ranking covers State Farm, Allstate, Travelers and Liberty Mutual with verified rental products.
- Compare city by city. See our landlord pages for Dallas, Houston, Austin, San Antonio and Fort Worth, plus our national landlord insurance cost, South Carolina landlord insurance cost, Colorado landlord insurance cost and Washington landlord insurance cost and Arkansas landlord insurance cost guides.
- Request side-by-side quotes at the same dwelling limit, liability limit and deductible through our quote form.
Frequently Asked Questions
How much does landlord insurance cost in Texas?
There is no official statewide landlord average. The closest NAIC benchmark is the Texas dwelling fire form average of $1,226 in 2023, collected for one-family owner-occupied homes, ranging from $866 under $150,000 of coverage to $4,854 at $1 million or more. Your quote depends on rebuild cost, hail and wind exposure, liability limit and deductible.
Is landlord insurance more expensive than homeowners insurance in Texas?
There is no official statewide comparison. The NAIC’s Texas HO-3 average was $2,864 in 2023 and TDI’s homeowners average is $3,489 for 2025, but those are owner-occupied series. In the private market, compare a landlord quote and a homeowners quote on the same rebuild cost and liability limit.
Do I need TWIA for a Texas coastal rental?
Often for wind. TDI says TWIA provides wind coverage in 14 coastal counties and parts of Harris County when voluntary wind coverage is not available. Confirm wind treatment on every landlord quote.
Can I get landlord insurance from the Texas FAIR Plan?
The FAIR Plan is the residential insurer of last resort after voluntary declines. It wrote 1.11% of Texas homeowners premium in 2025. Ask an agent which FAIR Plan forms and liability options are available for a tenant-occupied rental, and whether wind still requires TWIA.
Does Texas landlord insurance cover floods or hail?
Hail is often a covered peril on property forms, subject to the policy deductible, and it is the largest peril in TDI’s recent insured-loss chart. Flood is typically excluded and bought separately. Read each carrier’s exclusions; State Farm and Allstate both list flood among common exclusions on their landlord pages.
How we verified this page
Texas and countrywide averages come from the NAIC’s homeowners report for 2023 data (Tables 1, 4 and 5); the NAIC’s dwelling fire series covers one-family owner-occupied buildings. Market size, residual-market shares, combined ratios and peril-loss context come from TDI’s 2025 Annual Legislative Report on Market Conditions and TDI’s homeowners market overview page, fetched October 11, 2026. Per-policy residential fire figures are our own division of published premiums by published policy counts. We did not use competitor comparison sites or unpublished landlord premium averages. See our methodology.
Important disclosures
Averages are not quotes. Official averages blend many policies, coverage amounts and locations. Your premium depends on your property and the insurer’s underwriting.
Coverage descriptions summarize public pages and are not policy contracts.
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