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🤠 Texas · Apartment & Multi-Family Insurance

Apartment & Multi-Family
Insurance in Texas

Property · General Liability · Loss of Rents · Umbrella — licensed Texas specialists with 20+ years of commercial insurance experience.

📍 Licensed in TX · CA · FL · AZ · GA · WA · DC

Free Texas Quote

We respond within one business hour.

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Licensed in Texas
20+ Years Experience
Independent — 6 Carriers Shopped
Investors & Owner-Operators
Same-Day Quotes

Protecting Texas Apartment Owners for 20+ Years

Secure Risk Partners is licensed in Texas and specializes in multi-family apartment insurance for property owners and real estate investors across the state. From duplexes in the suburbs to large apartment complexes in Dallas, Houston and Austin — we know this risk.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
1M+
Rental Units in TX
Fast
Growing Market
Strong
Investor Demand

Texas landlords face significant slip-and-fall and habitability liability exposure

Texas does not require landlords to carry specific insurance, but most lenders require property and liability coverage. Workers' comp is not mandatory but recommended for maintenance staff.

Every Coverage Texas Apartment Owners Need

We write all of these for Texas apartment owners and real estate investors — individually or as a complete package.

🏗

Property Insurance

Building, common areas, maintenance equipment and owner's personal property at replacement cost.

🤝

General Liability

Slip and falls in common areas, tenant injury claims and third-party property damage.

📉

Loss of Rents

Replaces rental income lost when a covered loss makes units uninhabitable. Essential if you rely on rent to cover expenses.

⚠️ Recommended

Umbrella / Excess Liability

Extends your liability limits above your underlying GL policy. Strongly recommended for all multi-unit owners.

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Crime & Employee Theft

Employee dishonesty coverage for property managers and maintenance staff who handle rent payments or keys.

👷

Workers' Compensation

Competitive placement for maintenance and property management staff across Texas.

We Know Texas Real Estate. 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 Insurance FAQ

What coverages does a Texas apartment owner actually need?
At minimum: property, general liability and loss of rents. We also strongly recommend an umbrella policy for any multi-unit owner and workers' comp if you have maintenance or management staff.
What is loss of rents coverage and do I need it?
Loss of rents coverage replaces rental income you lose when a covered loss — like a fire or storm — makes units uninhabitable. If you depend on rental income to cover your mortgage or expenses, this coverage is essential.
Do you cover small landlords with just a duplex or fourplex?
Yes. We cover everything from 2-unit duplexes to large apartment complexes. Small landlords often need commercial coverage rather than a personal landlord policy — we make sure you have the right type of policy for your property.
What is an umbrella policy and do I need one?
An umbrella policy extends your liability limits above your underlying GL policy. For apartment owners, a serious tenant injury claim can easily exceed standard GL limits. We recommend umbrella coverage for all multi-unit property owners.
How quickly can you get a Texas apartment quote?
Same day in most cases. We need basic details — location, number of units, year built, square footage and current coverage — and we can have options in front of you within hours.
Can you cover an apartment building undergoing renovation?
Yes. We work with carriers that cover properties under renovation. Coverage terms depend on the scope of work and occupancy during construction. Call us to discuss your specific situation.

Ready for Your Texas Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant