Landlord Insurance Galveston TX
Need reliable landlord insurance in Galveston, TX? Get tailored coverage for your rental property—property damage, liability, and rental income protection from trusted local agents at The O'Donohoe Agency.
Protecting Landlords and Rental Properties in Galveston, TX
As Galveston insurance professionals with decades serving the coastal community, The O'Donohoe Agency understands the unique risks faced by property owners. Our landlord insurance solutions safeguard your rental home or apartment investment from unexpected events, including storms common in the Gulf Coast region, tenant damage, and legal liability exposures. We proudly serve Galveston, TX, as well as nearby Texas City, League City, La Marque, and Dickinson, offering specialized protection for every type of landlord.
What Does Landlord Insurance Cover in Galveston, TX?
Landlord insurance in Galveston, TX typically protects your rental property against hazards like fire, windstorm, vandalism, and theft. Along with building coverage, you'll benefit from landlord liability insurance in case of tenant injuries or property damage claims. Many policies also provide loss-of-rental-income coverage, ensuring you receive compensation if your rental becomes uninhabitable due to a covered loss. Optional add-ons include code upgrade endorsements and tenant default coverage. For more comprehensive protection, see our Real Estate Investor Insurance in Galveston, TX | The O'Donohoe Agency.
Why Choose The O'Donohoe Agency for Landlord Insurance?
The O'Donohoe Agency has served Galveston and surrounding cities for over 30 years, providing personalized insurance solutions based on deep knowledge of local real estate markets. Our agents hold Texas state licenses and are members of professional insurance associations, bringing trusted guidance to every policy. We work closely with landlords in Galveston, Texas City, and League City, whether you own single-family homes near Moody Gardens or multifamily apartments around Seawall Boulevard.
Key Benefits of Landlord Insurance
- Protection against property damage from fire, wind, and vandalism
- Liability coverage for landlord legal risks
- Loss-of-rental-income reimbursement
- Optional tenant default & code upgrade coverage
- Access to local insurance experts in Galveston, TX
Who Needs Landlord Insurance in Galveston and Surrounding Areas?
If you own any residential property that you rent out—whether it's a single-family home, duplex, condo, or apartment building—landlord insurance is essential for financial protection. This is especially critical along the Texas Gulf Coast, where weather events like hurricanes can impact rental properties. We assist landlords in Galveston, La Marque, Dickinson, Texas City, and League City to ensure they're fully insured for coastal risks.
How to Get a Landlord Insurance Quote in Galveston, TX
Getting started is easy with The O'Donohoe Agency. Our friendly, local agents will review your property details, explain coverage options, and issue tailored landlord insurance quotes for Galveston and nearby communities. We're located right on Stewart Road, making in-person consultations convenient for area landlords. Protect your rental investment with guidance from agents who care about our community.
Request Your Landlord Insurance Quote Today
Ready to safeguard your rental property in Galveston, TX or surrounding areas? Call 409-744-1888 or visit our local office to get a personalized landlord insurance quote from The O'Donohoe Agency.
Frequently Asked Questions
Is loss of rent covered if a property is uninhabitable?
Yes—loss-of-rental-income coverage reimburses the landlord for lost rents during covered repairs.
How much does landlord insurance cost in Galveston, TX?
Landlord insurance premiums in Galveston, TX vary based on property type, location, and coverage options. Our local agents can provide a customized quote that fits your needs and budget.
Do I need landlord insurance if I rent out only one property?
Yes, even if you rent out a single property, landlord insurance is essential to protect you from property damage, liability claims, and loss of rental income.
Does landlord insurance cover damage from hurricanes in Galveston, TX?
Most landlord insurance policies in Galveston, TX include coverage for wind and storm damage, but flood insurance must be purchased separately.
How do I get landlord insurance in Galveston, TX?
Contact The O'Donohoe Agency by phone or in person. Our agents will discuss your properties, explain coverage options, and provide a personalized quote.
What is the difference between landlord insurance and homeowner's insurance?
Landlord insurance covers rental property risks and landlord liability, while homeowner's insurance is for owner-occupied homes. Rental income loss and tenant liability are not included in homeowner’s policies.
Can landlord insurance cover tenant default in Galveston, TX?
Some landlord insurance policies offer tenant default protection, helping reimburse rent lost when a tenant fails to pay. Talk to our agents about adding this option in Galveston, TX.
