Core coverage
Dwelling and other structures (DP-3 form), loss of rental income, premises liability, and optional vandalism, equipment breakdown, and umbrella coverage.
Landlord Insurance · Carrollton & DFW
Landlord Insurance tailored for North Texas.
Specialized DP-3 coverage for rental property owners and investors.
Independent agency
Landlord Insurance
- 200+ A-rated carriers
- Plain-English comparisons
- Dedicated local advisor
- Annual renewal reviews
What it covers
Protection built for real driving situations.
Flexible limits
Limits and deductibles matched to your assets and budget—not a one-size template.
Local guidance
A dedicated Carrollton advisor who knows your file at renewal and claim time.
Why it matters
The right limits protect more than the policy name suggests.
Renting out a property under an HO-3 policy can void coverage at claim time. DP-3 is purpose-built for rentals and includes loss-of-rents — often 12 months of income — when the unit is uninhabitable.
Who needs it
Built for how you actually live and drive.
Who this fits
Anyone renting out a single-family home, duplex, condo, short-term rental, or transitioning a previous primary residence into a rental.
DFW households
Families and professionals across Carrollton, Richardson, Plano, and Dallas.
Growing needs
Coverage that scales when assets, staff, or properties change.
Switching carriers
We re-shop at renewal so you are not auto-renewed into a higher rate.
Common mistakes
Gaps we see on policies every week.
Avoid these before renewal—or before a claim teaches the lesson the hard way.
Keeping an HO-3 policy after the property becomes a rental, skipping los
Keeping an HO-3 policy after the property becomes a rental, skipping loss-of-rents coverage, and forgetting to require renter's insurance from tenants.
How we help
How Curtis Caster helps
We convert your existing policy correctly, layer in liability that scales with rental count, and coordinate with your property manager on certificates of insurance.
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Discovery
30-min conversation: assets, goals, risk tolerance.
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Risk mapping
Document exposures across life, property, business, and liability.
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Structured options
Three carrier options compared on coverage, price, and limits.
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Annual reviews
Re-evaluated yearly and whenever your situation changes.
FAQ
Landlord Insurance — questions we hear most.
Do I still need landlord insurance for a short-term rental?
Yes, and you likely need a specialized short-term rental endorsement or carrier — Airbnb's host protection is not enough alone.
Should I require renters insurance from tenants?
Always. It protects their belongings (yours doesn't) and adds a liability layer when something goes wrong inside the unit.
Get started
Request your free landlord insurance quote.
Most requests receive a response within one business day.
- No obligation
- No spam
- Licensed Texas advisors
Prefer to call? (214) 619-1700
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