Texas landlords · The umbrella sits on liability, not on the building
An umbrella does not insure the rental house. It pays after the landlord liability limit is used up.
A rented house does not belong on an owner-occupied HO-3. It needs a dwelling or landlord form. That form insures the building and, if you bought it, loss of rent after a covered peril makes the unit unlivable. Its liability limit is what pays a covered injury on the premises. An umbrella, or a true excess policy, starts only after that underlying limit is exhausted. If the rental is not scheduled underneath, the umbrella does not sit on that loss. This is educational, not legal advice.
The tenant’s renters policy covers their contents and their liability. It does not insure your building. Texas does not set a statewide dollar minimum for renters insurance. A lease can require a limit, and naming you as an interested party only gets you notice of cancellation. It does not make you an additional insured. How to set that requirement: what a landlord can require.
The jacket under the umbrella: landlord insurance, what it protects, cost, without a fake average, and the risks of renting it out. The umbrella product: personal umbrella and Texas umbrella facts.
