Coppell, Texas landlord insurance
Freedom Insurance Group quotes landlord insurance for Coppell rentals, ZIP 75019. Coppell is in northwest Dallas County. The houses are mostly single-family, not a high-rise rental market.
In Coppell, 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 Coppell
Coppell rentals tend to be subdivision houses with composition roofs of very different ages. That is the underwriting story. A 20-year roof and a roof replaced last spring are not the same risk, even when the floor plans match.
Turnover still happens. If you are painting and replacing flooring with no tenant in the house, ask whether that vacancy changes theft and vandalism before you let the lease lapse and assume the old terms still fit.
Local risks that change the quote
Hail and wind are what underwriters price first in this part of Dallas County. Tornadoes belong in the same severe-weather set. The percentage wind or hail deductible can be a large share of a claim, and it also changes the premium.
Flood is not included. A landlord policy also does not cover the tenant’s property or a tenant’s failure to pay rent when there has been no covered damage to the building.
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 Coppell
- Roof age, material, and any impact rating.
- Dwelling limit based on rebuild cost, not rent.
- Claims, especially prior wind or hail.
- Whether the house is leased, vacant, or under light renovation.
- Water backup and ordinance or law, if you want them.
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 Coppell 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 Coppell?
Coppell 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 and wind.
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 Coppell landlords
Can the tenant be named on my landlord policy?
The tenant is not an insured for their own property. Some forms allow additional interests, such as a mortgage company. Ask before you add a name.
Do I need loss of rents if I have a cash reserve?
It is optional in the sense that you choose a limit. It is the coverage that replaces rent after a covered loss. A reserve is your money, not the policy.
Will a new roof lower the price?
It can. The credit, if any, is whatever the carrier offers after they see the roof year and material.
Quote landlord insurance in Coppell
Start a quote and mark the property as a rental. The office below can also walk through roof, vacancy, and flood before you bind.
Related pages
Texas landlord insurance Lewisville landlord insurance Plano landlord insurance
