Investment Property Insurance
Protect Your Rental Property. Grow Your Investment With Confidence.
Whether you own one rental home or multiple Texas investment properties, we'll help you find insurance coverage designed to protect your assets, rental income, and long term investment goals.
Licensed advisors
Multiple carriers compared
Serving investors since 2004
What you can expect
Coverage built around investors
Rental Property Protected
Structure, liability, and income in one program.
Personalized Coverage
Limits matched to your property and lease type.
Fast Quote Process
Most quotes returned within one business day.
Trusted Insurance Advisors
A dedicated advisor for every renewal.
1 in 4
landlords face a property or liability claim within five years of ownership.
Why it matters
Why Investment Property Insurance Matters
Texas rental property carries risks a personal policy was never written to absorb. Tenants, turnover, and income dependency change the exposure entirely.
Property damage
Fire, water, storm, and tenant related damage can outpace reserves fast.
Liability exposure
Injury claims on your property can reach far beyond the rental itself.
Lost rental income
A unit that cannot be occupied still carries a mortgage and taxes.
Natural disasters
Regional weather events create concentrated risk across a portfolio.
Unexpected expenses
Code upgrades, debris removal, and legal costs rarely arrive alone.
Your investment deserves protection beyond a standard homeowners policy.
Why Integrity
Why Choose Integrity Insurance
Two decades of placing coverage for Texas rental owners, from a first duplex in Dallas or Houston to multi property portfolios across the state.
Texas Investment Property Specialists
We work with Texas landlords and portfolio owners every day, not as an afterthought to a homeowners policy.
Competitive Coverage Options
Multiple carriers compared side by side so your coverage and premium both make sense.
Responsive Claims Support
A real advocate who stays with your claim from first notice through final payment.
Dedicated Insurance Advisors
One point of contact who understands your properties, leases, and growth plans.
Coverage options
What Your Policy Can Include
Dwelling Coverage
Protection for the physical structure of each rental property at replacement value.
Landlord Liability
Defense and damages for tenant or visitor injury and property claims.
Loss of Rental Income
Reimbursement for lost rent while a covered property is uninhabitable.
Property Damage
Coverage for fire, wind, hail, water damage, vandalism, and more.
Other Structures
Garages, fences, sheds, and detached units included in your schedule.
Optional Endorsements
Flood, earthquake, equipment breakdown, and short term rental add-ons.
Investor benefits
The Difference Proper Coverage Makes
Dwelling Coverage
Unexpected repair costs
Rental income interruption
Higher financial risk
With Integrity Insurance
Financial protection
Reliable support
Coverage tailored to investors
Peace of mind
How it works
Three Steps to Protected
1
Request a Quote
Share your property details in a few minutes. No paperwork, no obligation.
2
Review Coverage
An advisor walks you through carrier options, limits, and premium trade-offs.
3
Protect Your Investment
Bind coverage and receive documents, plus annual portfolio reviews.
Client experience
Trusted by Property Owners and Landlords
“They understood loss of rent coverage better than any agent I had spoken to. My renewal came in lower with far better limits.”
Marcus D.
Owner, 6 single family rentals
“Quote came back the same afternoon with three carrier options laid out clearly. The whole process took two days.”
Priya S.
Duplex investor
“They understood loss of rent coverage better than any agent I had spoken to. My renewal came in lower with far better limits.”
Ellen R.
Owner, 6 single family rentals
FAQ
Investment Property Questions
Still unsure about limits, endorsements, or portfolio placement? Call an advisor at (800) 555-0142.
Is a homeowners policy enough for a rental property in Texas?
No. Most Texas homeowners policies exclude tenant occupancy. A landlord or dwelling fire policy is designed for rented properties and adds liability and rental income protection built for investors.
Does insurance cover lost rent if my Texas property is unlivable?
Yes, when loss of rental income coverage is included. It reimburses the rent you would have collected during the repair period following a covered loss.
Can I insure multiple Texas investment properties on one program?
Often yes. Portfolio and scheduled property programs let you place several Texas rentals with one carrier, one renewal date, and consolidated billing.
How are short term rentals treated?
Short term and mid term rentals in Texas need specific endorsements or a dedicated policy form. We place coverage designed for higher turnover and guest liability.
Do tenants need their own insurance?
We recommend requiring renters insurance in every Texas lease. It covers tenant belongings and liability, which reduces claims pressure on your policy.
Do you only cover Texas investment properties?
Yes. Integrity Insurance is licensed in Texas and focuses exclusively on Texas rental properties, from single family homes to larger investor portfolios.
How fast can I get a quote?
Most Texas investment property quotes are returned within one business day once we have the address, property type, and unit count.
Protect Your Investment Before the Unexpected Happens
One claim can undo years of returns. Request a personalized quote and see exactly how your rental property, income, and liability would be covered.
Integrity Insurance helps property investors protect their assets, rental income, and long term wealth with coverage built around real estate portfolios.
Coverage
Dwelling Coverage
Landlord Liability
Loss of Rental Income
Optional Endorsements
© 2026 Integrity Insurance. All rights reserved.
Privacy Policy Terms
Integrity Insurance is an assumed name of ONI GROUP, LLC, a Texas-licensed General Lines Property & Casualty insurance agency. Texas Agency License #2793480 | NPN #20221867.