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🏒 Texas · Apartment Building Insurance

Apartment Building Insurance
in Texas

Property Β· General Liability Β· Loss of Rents β€” coverage built for Texas apartment owners and real estate investors, backed by 20+ years of commercial insurance experience.

πŸ“ Licensed in TX Β· CA Β· AZ Β· FL Β· GA Β· WA Β· DC

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βœ“ Licensed in Texas
βœ“ 20+ Years Experience
βœ“ Independent β€” 6 Carriers Shopped
βœ“ Hard-to-Place Risks Welcome
βœ“ Same-Day Quotes

Protecting Texas Apartment Owners for 20+ Years

Secure Risk Partners is licensed in Texas and specializes in insurance for apartment buildings, multi-family properties and real estate investors across the state β€” from garden-style complexes in Houston, Dallas and San Antonio to mixed-use buildings in Austin, Fort Worth and El Paso.

Texas landlords operate under Texas Property Code Chapter 92, and a single liability claim or a fire that displaces tenants can put your rental income at risk. As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to package the property, liability and loss-of-rents coverage your building actually needs.

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38%+
of TX Households Rent
Chapter 92
Governs TX Landlords
Loss of Rents
Replaces Rental Income

Texas landlords operate under Texas Property Code Chapter 92

Texas is the only state where workers' compensation is optional for private employers β€” but apartment owners who go without it can be sued directly by an injured on-site manager or maintenance worker, losing key legal defenses.

Every Coverage Texas Apartment Owners Need

We write all of these for Texas apartment and multi-family owners β€” individually or as a complete package.

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Property Insurance

Building, roof, common areas and owned contents at replacement cost β€” the core of every apartment policy.

⚠️ Most ImportantπŸ“‰

Loss of Rents

Replaces the rental income you lose when a covered fire, storm or other loss makes units uninhabitable while you rebuild.

⚠️ TX Storm RiskπŸŒ€

Wind & Hail

Texas leads the nation in hail and windstorm losses. Coastal and North Texas apartments often need this reviewed carefully β€” deductibles and exclusions vary widely.

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General Liability

Slip-and-falls, tenant and visitor injuries, and third-party property damage claims on your premises.

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Equipment Breakdown

HVAC, boilers, elevators and electrical systems β€” critical through long Texas cooling seasons.

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Umbrella / Excess Liability

Extra limits above your GL β€” often required by lenders on financed multi-family properties.

We Know Texas. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Texas and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Texas Apartment Building Insurance FAQ

What does apartment building insurance cover in Texas?
A typical Texas apartment policy packages property coverage on the building and common areas, general liability for tenant and visitor injuries, and loss-of-rents coverage that replaces income while a damaged building is repaired. In Texas we also pay close attention to wind and hail terms, which drive many apartment claims here. We tailor limits to your specific property.
Is loss-of-rents coverage worth it for a Texas apartment?
For most owners, yes. If a fire, storm or covered loss forces tenants out, you stop collecting rent but still owe the mortgage. Loss-of-rents (business income) coverage replaces that rental income during the rebuild β€” often the difference between weathering a loss and defaulting.
Does Texas require landlords to carry insurance?
Texas does not mandate apartment insurance by statute, but nearly every lender requires it on a financed building, and operating without it under Texas Property Code Chapter 92 leaves you personally exposed to liability and property claims.
Do I need workers' compensation for my Texas apartment building?
Texas is the only state where workers' comp is optional for private employers, so you can technically go without it. But if an on-site manager or maintenance worker is injured and you're a non-subscriber, they can sue you directly and you lose key legal defenses. Most apartment owners carry it as protection β€” we place competitive coverage alongside your property and liability package.
How does wind and hail affect Texas apartment insurance?
Texas leads the nation in hail and windstorm losses, so wind/hail deductibles and exclusions are often the most important part of a Texas apartment policy. Coastal properties may need separate windstorm coverage. We review these terms carefully so you aren't caught by a surprise percentage deductible after a storm.
Can you insure older or larger apartment complexes in Texas?
Yes. We work with specialty carriers including Lloyd's of London for older buildings, larger unit counts and properties other carriers decline. Call us to discuss your building and we'll find the right market.

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Alex
SRP Insurance Assistant
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