Landlord insurance in Texas: $500K Property Value, $2,500 Deductible

What This Scenario Changes

In Texas, your estimated annual premium is about $1100 to $1340, which is roughly $90 to $110 per month.

What moves this estimate: property value and deductible define the size of building losses the insurer models and the portion you pay first. In states where wildfire risk, insurers price landlord protection accordingly.

How to interpret the range: compare sibling scenario links and look for consistent directionality. If changing coverage or deductible moves the range a lot, that is a signal those are the levers that matter most for your scenario choice.

• Tradeoff: For landlords, $2,500 Deductible controls how much of a covered building loss you pay first. Choosing a higher deductible can lower premium, but it increases cash you must cover after a claim.
• Tradeoff: $500K Property Value is tied to how large building losses could be. When rebuild costs track wildfire risk, higher property value coverage can move the premium range up.
• Where this matters most: western wildfire and heat-related risk tends to influence the size and frequency of covered loss events, so scenario inputs determine how much of that environment the estimate assumes for you.