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.