Texas DP-3 landlord checks
- Lease status, renovation plans, and vacancy periods should be stated clearly.
- Premises liability and fair-rental-value limits should be reviewed together.
- The landlord or entity name should be consistent across quote documents.
- In Texas, separate wind, named-storm, and flood questions before comparing the premium.
- Wind or hail wording in Texas can affect the deductible, roof settlement, and inspection follow-up.
Landlord quote questions
| Question | Why it matters |
|---|---|
| Who is the named insured? | LLC, trust, or individual ownership should match the quote and deed situation. |
| Is the tenant long-term or short-term? | Rental duration can move the policy into a different underwriting lane. |
| How is vandalism handled? | Vacancy and tenant-caused damage wording should be checked. |
| Does liability fit the exposure? | Premises hazards and lease terms can affect the needed limit. |
Practical note
A Texas landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.