Own a Rental? What Insurance Companies Aren’t Telling You
(And What You Can Do About It)
Hey friends,
If you own a rental property—you might’ve already run into this: your insurance is getting harder to renew… or more expensive… or in some cases, not even available.
If you’re thinking of getting an investment property or or know someone who has investments? This will be helpful information….
First off. It’s not you. It’s them. Insurance companies are starting to pull back from covering rental homes, especially here in Texas. So what’s going on? Let’s get into it.
1. Rental Properties = Higher Risk (in their eyes)
Why?
Renters may not report issues quickly.
Maintenance may slip between tenants.
The property just isn’t being “lived in” the same way.
More claims = higher risk = tighter restrictions.
2. Weather Damage on the Rise
Texas storms aren’t playing around—hail, wind, freezes, flooding... we’ve seen it all. And insurance companies have, too.
Claims have skyrocketed, and many carriers are pulling back, especially on properties that aren’t owner-occupied.
3. Insurance Companies Are Trimming the Fat
When profits shrink, insurers do what most businesses do:
Raise rates
Add exclusions (think cosmetic exclusions)
And say "no thanks" to higher-risk homes - Rentals
Unfortunately, that often means rental properties get cut first.
4. More Frequent Inspections
Even if you have a policy, don’t be surprised if your provider asks for a property inspection before renewal. They’re looking closely at:
Roof age and condition
Electrical, plumbing, HVAC systems
General upkeep
One missed repair could lead to non-renewal or steep premium increases.
So What Can You (we) Do?
If you’re a landlord or property investor, here are a few smart moves:
Stay ahead on roof and exterior maintenance.
Document property and all repairs with photos
Get proactive inspections—annually - especially after storms (‘hail watch lists’)
Work with a local insurance broker who understands the rental market
Start your insurance conversations early and have photos ready (don’t wait for renewal!)
We’re Watching the Storms So You Don’t Have To
Here’s something that sets us apart: we keep a “Hail Watch” list.
We monitor storm paths and weather patterns in real time—so when hail hits a neighborhood, we already know. That lets us reach out proactively for complimentary damage checks, often before the homeowner even realizes something may be wrong.
Whether it’s your personal home or your rental property, we can help make sure nothing gets missed—and you’re not left scrambling when insurance asks for proof.
Need Help? We Make This Easy.
If you need a roof inspection, damage documentation, or just want to review your current policy before renewal, let’s get started.
We offer a ‘concierge-style’ service, meaning we handle the small stuff so you don’t have to. Plus, if you have solar panels, we’ve got that covered too—our in-house team makes detach/reset or replacement easy and coordinated.
Have questions? Want to get your property added to our Hail Watch list?
Just hit reply or reach out anytime.