Argyle, Texas landlord insurance
Freedom Insurance Group writes landlord quotes for rentals in Argyle, Texas, ZIP 76226. Argyle is a Denton County town north of Fort Worth. A leased house here is underwritten as a rental, not as the owner’s residence.
In Argyle, Texas, a typical long-term single-family rental is often estimated at about $1,300–$1,850/year (~$110–$155/month). That is a published Texas market estimate, not a Freedom Insurance Group quote. DP-1 is usually the cheapest of the three forms on the same dwelling, DP-2 usually prices between DP-1 and DP-3, and DP-3 is usually the highest when replacement-cost settlement is available.
Who this page is for
Use a landlord policy when you own the building and someone else lives there. That includes a single-family rental, a house you lease to one family, and a property you hold after moving out. It is the wrong form if you still live in the house. It is also the wrong form for the tenant: their furniture, clothes, and personal liability belong on a renters policy.
If the house is between tenants, say so. Vacant and tenant-occupied are not the same risk. Many dwelling forms limit theft, vandalism, or glass after the property sits empty past the number of days printed in the form. A lease that starts next month does not automatically keep those coverages in force today.
The rental stock in Argyle
Argyle rentals are mostly single-family houses, including homes on larger lots at the edge of town. That shape matters. A detached garage, a shop, or a fence is not automatically covered at a useful limit just because the dwelling is. Replacement cost also tracks North Texas labor and materials, not a Dallas high-rise rental index.
Short gaps between tenants are common. A house that is empty while you turn it over is not the same application as a house with a signed lease and a move-in date already passed.
Local risks that change the quote
Hail, straight-line wind, and tornadoes are the local risks that change an Argyle landlord quote. Roof age and the wind or hail deductible move the price more than the town name. An impact-rated roof and an older composition roof on similar houses do not quote alike.
Fire protection is the other local item. Distance to the station and whether the rental is on a hydrant show up more clearly on larger lots than they do in a dense city grid. Flood is separate: the landlord form does not pay for rising water.
Coverages landlords usually have to decide
Dwelling, or Coverage A
This is the limit that rebuilds the structure after a covered loss. Set it from current local rebuild cost, not from the rent, the mortgage balance, or the county tax value. A limit that was fine three years ago can be short after a hail year if materials and labor moved.
Other structures
Detached garages, fences, and sheds fall here, usually as a percentage of the dwelling limit. A large shop or outbuilding can blow past that percentage. If the rental has one, it needs its own number on the application instead of being folded into the house.
Landlord contents
Appliances, blinds, and other property you own and leave for the tenant can be scheduled as landlord contents. The tenant’s couch is not your contents. If you furnish the house, say so. An unfurnished limit will not stretch to cover a furnished one.
Fair rental value
After a covered loss makes the unit unlivable, fair rental value replaces the rent you lose while it is repaired. It is not a guarantee of future rent, and it does not pay for a month you had no lease. The form states how it is calculated and how long it runs.
Premises liability and medical payments
Liability responds when someone is hurt, or their property is damaged, and you are responsible because of the rental. Medical payments can cover smaller injury costs without a lawsuit. Neither one is the tenant’s personal liability, and neither one fixes a maintenance problem you already knew about.
Loss settlement: DP-1, DP-2, and DP-3
DP-1 is a basic named-peril form. It usually pays actual cash value, which subtracts depreciation. DP-2 names a broader list of perils. DP-3, at many carriers, covers the dwelling on an open-peril basis except for what the form excludes, and it is the one landlords usually compare against DP-1 when they want replacement cost on the building. The declarations page, not a brochure, shows which form you bought. The Texas landlord insurance hub links the longer DP-1, DP-2, and DP-3 explainers.
What the landlord policy does not do
- Flood. Rising water, including street flooding and creek overflow, is not a dwelling claim. Flood insurance is a separate policy. Wind-driven rain through a hole in the roof is a different question, and it still depends on the form.
- Tenant belongings and tenant liability. Those sit on the tenant’s renters policy. Requiring renters insurance in the lease does not put their property on your policy.
- Wear, maintenance, pests, and mold from a long leak you did not fix. Insurance pays sudden covered losses. It does not repaint between tenants.
- Backup of sewers and drains, and ordinance or law. Often optional. A city that requires a different roof or electrical on a rebuild can make ordinance or law the difference between the dwelling limit and the real bill.
- Long vacancy and some renovations. Tell the office before a unit sits empty or before you open walls. Some forms suspend theft and vandalism, or need a different vacancy endorsement, after a set number of days.
What underwriters ask for in Argyle
- Roof year, covering, and whether it is impact rated.
- Wind or hail deductible, flat dollar or a percentage of the dwelling limit.
- Outbuildings and how far they sit from the house.
- Occupancy: leased, between tenants, or undergoing work.
- Updates to electrical, plumbing, and heat on older houses.
How a quote actually gets built
- Property address, year built, square footage, construction, and roof year and material.
- Who lives there: tenant on a lease, vacant, or you. Owner-occupied is a homeowners quote, not this one.
- Updates to roof, electrical, plumbing, and heat, and any outbuildings.
- Dwelling limit, loss-settlement form, deductibles, and whether you want loss of rents, water backup, and ordinance or law.
- Claims in the last few years, and whether the tenant is required to carry renters insurance.
We do not publish a Argyle average premium. A number without the roof, the limit, and the occupancy would be made up. Two houses on the same street can land far apart for those reasons.
How much does landlord insurance cost in Argyle?
Argyle uses the Texas statewide estimate, not a separate city band. For a typical long-term single-family rental, the published Texas market estimate is about $1,300–$1,850/year (~$110–$155/month). A wider factor-driven range is $1,100–$2,500+/year.
That figure assumes a long-term single-family rental, not a vacant house and not a short-term rental, with a dwelling rebuild limit roughly in the $250k–$350k range. It is a published 2025–2026 market estimate, not a Freedom Insurance Group quote. Statewide context: Texas landlord insurance.
What moves the premium is the rebuild limit, the age of the roof and of the electrical, plumbing, and HVAC, claims on the property or the named insured, the deductible (including a percentage wind or hail deductible where the form uses one), liability limits, loss of rents, and whether the house is vacant or rented short-term instead of long-term. Carrier appetite matters. The local hazard already named for this page is hail, straight-line wind, and tornadoes, plus fire-protection and hydrant distance.
DP-1 is named-peril, often actual cash value, and usually the cheapest of the three on the same dwelling because covered perils and settlement are narrower. DP-2 is named-peril but broader than DP-1, and often replacement cost on the dwelling, so it usually prices between DP-1 and DP-3. DP-3 is open-peril on the dwelling with named perils on other property, and is usually the highest of the three when replacement-cost settlement is available. All three still sit inside the Texas typical-to-wider range. There is no separate dollar band for each form. Flood is usually a separate policy and is not inside these ranges.
These figures are approximate published 2025–2026 market estimates for a typical long-term single-family rental with roughly a $250k–$350k dwelling rebuild, not a Freedom Insurance Group quote or binder.
Quotes vary by property. Call (800) 253-1482 or start a quote. These ranges are published market estimates, not a Freedom Insurance Group quote or binder.
Questions we hear from Argyle landlords
Does homeowners insurance cover an Argyle rental?
No. Once you no longer live there, you need a landlord or dwelling policy. The homeowners form is for the house you occupy.
Should the tenant buy renters insurance?
Yes. Your policy does not cover their belongings or their personal liability. Many landlords require it in the lease.
Is flood included?
No. Flood is a separate policy. Hail and wind may be on the landlord policy, subject to the wind or hail deductible.
Quote landlord insurance in Argyle
Start a quote and mark the property as a rental. The office below can also walk through roof, vacancy, and flood before you bind.
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