Updated September 2026 · Freedom Insurance Group · Flower Mound, TX
Carrier review · Obie landlord
Obie Insurance review: landlord and rental dwelling coverage TX, CO, MO & TN investors can compare clearly
Obie focuses on landlord and rental property insurance conversations that differ from owner-occupied HO policies. Texas investors should evaluate Obie on loss-of-rents terms, vacancy rules, liability limits, and how it compares with other landlord markets available through an independent agency.
Nationally, a typical long-term single-family rental around a $300k rebuild is often estimated at about $900–$1,800/year (wider about $800–$3,000/year). That is a published 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. By state, the typical cluster is Texas about $1,300–$1,850/year (~$110–$155/month), Colorado about $1,450–$1,750/year (~$120–$145/month), Tennessee about $950–$1,200/year (~$80–$100/month), Missouri about $1,050–$1,350/year (~$90–$115/month).
Quick facts about Obie
These facts are a starting map. Product menus, eligibility, and pricing for Obie move with underwriting guidelines, reinsurance costs, and storm seasons, so Freedom Insurance Group treats each quote as a current snapshot rather than a permanent ranking.
Who should consider Obie in TX, CO, MO & TN?
Obie is especially useful when you need a landlord-form conversation rather than forcing a rental onto an HO template.
Single-family rentals, small portfolios, and acquisition closings benefit from early underwriting questions about tenant occupancy and renovations.
Owner-occupant homeowners should not use this page as an HO review; ask for a homeowners market shop instead.
- Landlords seeking dedicated rental dwelling coverage
- Investors comparing Obie with other DP/landlord markets
- Buyers closing on investment properties
- Clients coordinating landlord policies across multiple addresses
Coverage overview
Product availability changes by state, county, and underwriting. Use the overview below as a planning checklist, then confirm every coverage part on a live Obie quote with Freedom Insurance Group.
Landlord forms protect the structure differently than owner-occupied HO policies. Confirm ordinance or law, replacement cost, and vacancy rules.
Loss-of-rents or similar income protection helps when a covered loss makes a unit uninhabitable. Read waiting periods and monthly limits carefully.
Premises liability matters for tenant and guest injuries. Limits should reflect property type, number of units, and personal assets.
Carriers often require tenant liability proof, heat maintenance, or inspection documentation. Bring those details to the quote.
Replacement cost, liability limits, and deductible design should be reviewed together. Freedom Insurance Group walks through the Obie proposal in plain language so you can bind with confidence or keep shopping if another market fits better.
What to evaluate on a Obie quote
Confirm loss-of-rents limits, waiting periods, and vacancy conditions on the Obie proposal.
Match liability limits and dwelling valuation to other landlord quotes before choosing.
When Freedom Insurance Group places Obie beside other available carriers, we line up the same liability limits, deductibles, and dwelling assumptions so the differences you see are real. Premium is only one line on the proposal; form language and servicing expectations are part of a durable decision.
Ask how discounts stack, whether inspections or telematics apply, and what changes at renewal. A thoughtfully designed Obie policy with transparent terms can be a strong household fit when it aligns with your risk profile and documentation.
- Landlord-focused product conversation
- Helps avoid HO/DP form confusion
- Supports investor documentation workflows
- Useful peer in Texas rental insurance shops
- Occupancy and tenant requirements
- Loss-of-rents details
- Vacancy rules
- Liability limits and dwelling valuation
Multi-state notes (TX · CO · MO · TN) for Obie shoppers
Landlords in TX, CO, MO & TN should disclose prior property claims and weather losses accurately.
Short-term rental or vacation use may underwrite differently than long-term leases—say so up front.
Landlords in TX, CO, MO & TN should bring rent rolls, occupancy details, and prior loss runs when available. Clear documentation helps underwriters evaluate eligibility faster and keeps the quote aligned with how the property is actually used.
For broader Texas context, see car insurance in Texas and homeowners insurance in Texas. City-level pages across the Freedom Insurance Group site also illustrate how local exposure moves premiums in specific metros.
Obie shoppers should also review payment plan options, evidence-of-insurance turnaround, and how endorsements are handled after bind. Those operational details rarely appear in advertising, yet they shape the ownership experience. Freedom Insurance Group documents them beside the premium so your decision accounts for service realities as well as price. Confirm whether inspections, aerial imagery, telematics, or third-party data could change a Obie quote after submission.
How Freedom Insurance Group compares Obie
Freedom Insurance Group is an independent agency licensed in Texas, Colorado, Missouri, and Tennessee. For Obie reviews, our process is practical and document-driven:
- Gather the facts. Declarations pages, vehicle details, roof age and material, claims history, and mortgagee or lienholder requirements speed up accurate quoting.
- Set matching limits. We align liability, deductibles, dwelling limits, and key endorsements across carriers so the comparison is fair.
- Explain tradeoffs in plain language. Premium is only one line; coverage language, deductibles, and servicing expectations are part of the decision.
- Place the policy when it fits. If this market is the strongest match among available options, we help you bind with clear next steps for payment and proof of insurance.
Households that also need a second line of coverage can start a parallel quote so discounts and effective dates stay coordinated. Use the buttons below to begin either path online, or call the Flower Mound team for a guided shop.
How an independent agent helps
Freedom Insurance Group evaluates carriers available for your drivers and property. Obie may be part of that conversation when appointments and underwriting align, and it is always presented beside other viable markets rather than as a default.
How much does landlord insurance cost?
Nationally, published 2025–2026 market estimates for a typical long-term single-family rental often cluster around $900–$1,800/year (~$300k dwelling), with a wider range of $800–$3,000/year depending on state risk and property factors. Obie pricing varies by ZIP, rebuild limit, roof age, claims, deductibles, and form—compare it against local benchmarks rather than a single national number.
See the landlord insurance overview and state hubs for Texas, Colorado, Tennessee, and Missouri.
These figures are approximate published 2025–2026 market estimates (Simply Insurance / Steadily-style state benchmarks and industry range guides) 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 free quote. Market ranges above are not a binder.
On the same dwelling, the form still changes the premium inside the national range above, not as a separate price band. 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 national typical-to-wider range. Flood is usually a separate policy and is not inside these ranges.
FAQ
Is Obie homeowners insurance?
Obie is discussed here for landlord/rental needs. Owner-occupied homes need a separate HO shop.
Can Obie cover a vacant rehab?
Vacancy and renovation risks are underwritten carefully. Share timelines and permits when asking.
Is Obie a good insurance company in TX, CO, MO & TN?
Obie can be a strong fit when the quote, eligibility, and coverage terms match your household. Freedom Insurance Group judges the policy design and price together, not logo recognition alone.
Will a Obie quote change my current policy automatically?
No. Comparing Obie through Freedom Insurance Group is informational until you choose to bind. We coordinate replacement timing so continuous coverage remains intact when you switch.
What documents speed up a Obie quote?
A current declarations page, driver and vehicle details, roof and renovation notes for homes, prior claims information, and lienholder or mortgagee requirements help produce a cleaner, faster quote.
How does Obie compare to other carriers on this site?
Run the same limits and deductible structure across markets. The stronger option is the one that delivers clearer coverage terms and competitive pricing for your specific drivers or property.
Related guides
Compare Obie with other carriers available for your ZIP
One direct online quote is a single data point. An independent shop can pressure-test price, deductibles, limits, and coverage language across markets available for your household — including Obie when it fits.
