Texas draws a lot of out-of-state rental investment, and a meaningful share of the landlord policies we review were bought quickly at closing and never looked at again. That is where the gaps live.
The recurring one is the roof. Rental dwellings are frequently written with actual cash value roof settlement because it prices better at binding, and the owner does not register the tradeoff until a hailstorm turns a $22,000 roof replacement into a $9,000 check. On a rental you are already carrying the deductible and the vacancy while it is repaired.
The second is loss of rents. If a storm makes a unit uninhabitable for three months, that coverage is what replaces the income. It is often set at a token amount or omitted entirely.
If you own in Texas and live in California — which describes a lot of our clients — there is a practical advantage to holding both sides with one brokerage. We can see the whole portfolio, catch the coverage that is duplicated, and find the gap that is not covered anywhere.
Send us the declarations page you have now. We read it line by line against what this market is actually doing, and tell you plainly whether anything worth changing has changed.
Send your policyThe same house priced in two states is two different problems. These are the markets we work most, and what actually decides the outcome in each one.
Send your declarations page and we will read it properly — what you have, what it would actually pay, and whether anything worth changing has changed.
Independent insurance guidance for your home, your business, and your life across state lines.