DP-3 landlord & rental property insurance for Texas — including Fort Worth and across DFW.
Whether you own a duplex in Fort Worth's Near Southside, a portfolio spread across DFW, or a rental anywhere else in the state, we write DP-3 landlord policies around how Texas rentals actually work — tenant turnover, older housing stock, and regional hail exposure — shopped across four carriers so the coverage and the premium both make sense.
Texas landlords — including here in Fort Worth — need coverage built around how the property is actually used, not a generic form.
Texas rental property doesn't fit one mold, and Fort Worth is a good snapshot of why. It's a mix of century-old bungalows in Fairmount and Ryan Place that have been converted to long-term rentals, mid-century houses in Riverside, Rosemont, and Wedgwood that turn over every year or two, newer builds in Saginaw and North Richland Hills bought specifically as investment property, and a steady stream of TCU-adjacent and Near Southside/Medical District units renting to students, residents, and hospital staff. Add in the ongoing revitalization around Historic Handley, the Near East Side, and the Stockyards/Northside corridor, plus the demand pressure Panther Island development is putting on nearby neighborhoods, and you get a preview of the same story playing out in rental markets all across Texas — where the "just put it on a homeowners policy" shortcut fails constantly, and fails expensively.
A standard HO-3 homeowners policy assumes you live in the home. The day it becomes a rental, that assumption breaks, and Texas landlords — including plenty right here in Fort Worth — don't always find out until a claim gets denied or a policy gets non-renewed mid-lease. The fix is a DP-3 dwelling-fire landlord policy, and the way we shop it accounts for how differently Texas carriers price age of home, roof condition, and hail history from one market to the next, Tarrant County included.
Hail risk isn't just a Fort Worth problem — it's a Texas problem
Texas landlords across the state deal with real hail and wind exposure, and Tarrant County and the rest of DFW sit inside one of the most hail-active corridors in the country. Fort Worth in particular has been on the receiving end of some of the costliest hailstorms in U.S. history, and roofs across Near Southside, Wedgwood, Woodhaven, and the suburbs ringing the city take real damage most storm seasons. If your DP-3 doesn't carry adequate dwelling replacement-cost coverage, or you don't know your wind/hail deductible before the storm — not after — a single hail event can turn a profitable rental into a loss year, wherever in Texas the property sits. We build every landlord quote around that reality, not around a one-size-fits-all assumption.
DP-3 special form
Open-perils coverage on the dwelling at replacement cost — the broadest landlord form for Texas's mix of older homes and newer builds, Fort Worth included.
Texas hail & wind
Roof and dwelling limits built for Texas hail exposure, including the especially hail-active Tarrant County/DFW corridor, with a wind/hail deductible you actually understand before storm season.
Loss of rent
If a covered loss makes a Texas rental unlivable — Fort Worth included — we cover the rent you'd have collected while it's repaired.
Landlord liability
Tenant or guest injury protection sized for Texas rental risk, with an umbrella available over the whole portfolio.
Older-home friendly
Foremost and ISC AU Gold both write dwelling-fire on older Texas housing stock — including Fort Worth's inside-the-loop bungalows — that some captive carriers decline outright.
Portfolio simple
Own doors in Fort Worth and elsewhere in Texas? One agent, one renewal rhythm, consistent coverage across every property.
We shop Steadily, Foremost, Germania, and ISC AU Gold.
A captive agent quotes you one company's appetite. As an independent agency, we run your Texas rental — Fort Worth included — across four landlord-focused markets and bring back the one that actually fits the property.
Steadily
A landlord-only specialist built for investors — fast, digital, and comfortable writing a single door or a growing portfolio anywhere in Texas, Tarrant County included.
Foremost
A strong dwelling-fire program for rental and older housing stock — a good fit for older Texas properties, including Fort Worth's inside-the-loop bungalows and converted rentals.
Germania
A Texas-rooted mutual carrier with real appetite for rental dwellings statewide, including North Texas properties outside the newest-build box.
ISC AU Gold
A specialty dwelling-fire market that steps in on rental risk other carriers pass on — useful for older or higher-risk properties anywhere in Texas, Fort Worth included.
An agent who knows the neighborhoods, not just the ZIP codes.
- We shop four carriers — Steadily, Foremost, Germania, and ISC AU Gold — not one captive quote.
- Statewide reach, local detail — Fort Worth's Near Southside, TCU, Fairmount, Handley, Haltom City, Benbrook, Saginaw, North Richland Hills, and every other Texas market you own in.
- Older housing stock welcome — inside-the-loop bungalows and converted rentals many carriers decline.
- Hail-aware statewide — every quote accounts for real regional hail history, from the Tarrant County/DFW corridor to wherever else in Texas your property sits.
- Portfolio-friendly — one renewal rhythm and one point of contact as you add doors.
Nate built TAP to serve Texas investors and owners — from Fort Worth and the rest of DFW to anywhere else in the state — the way a captive agent can't, by shopping multiple carriers and structuring coverage around the whole picture, block by block. Bring one Fort Worth rental or a portfolio spread across Texas; you'll get straight answers and a policy that fits how the property is actually used.
Simple, no pressure.
Tell us the property
Any Texas address — Fort Worth and Tarrant County included — age of home, and whether it's rented, vacant, or between tenants.
We shop 4 carriers
Steadily, Foremost, Germania, and ISC AU Gold — compared side by side for your property.
Pick your coverage
Right limits, loss-of-rent, liability, and a hail deductible you actually understand.
Add the next door
Grow across Texas on one renewal rhythm with one agent.
Straight answers for Texas landlords — Fort Worth included.
Do I need a special policy for a rental house in Fort Worth, or will my homeowners policy carry over?
No — a standard HO-3 homeowners policy is written for an owner-occupied home. Once you move out and rent the property to a tenant, most carriers will deny a claim or cancel the policy if they find out it's a rental. A DP-3 dwelling-fire landlord policy is built for rental property from day one.
Which carriers do you shop for Fort Worth landlord policies?
We shop your DP-3 across Steadily, Foremost, Germania, and ISC AU Gold. Each has different appetite by property age and neighborhood, so we compare all four instead of quoting a single captive option.
How does DFW hail risk affect a Fort Worth rental property policy?
Tarrant County sits inside one of the most hail-prone corridors in the country, and Fort Worth has taken direct hits from some of the costliest hailstorms in U.S. history. Your DP-3 should carry adequate roof and dwelling replacement-cost coverage, and you should know your wind/hail deductible before a storm, not after.
Does a DP-3 cover the rent I lose if the property is uninhabitable after a claim?
Yes — loss-of-rents coverage reimburses the rental income you lose while a covered loss is being repaired, so your mortgage and expenses aren't sitting on your shoulders alone during the repair window.
Can you cover more than one rental property in Fort Worth or across Tarrant County?
Yes. Whether you own one duplex near TCU or a small portfolio spread across Near Southside, Handley, Haltom City, and Benbrook, we keep coverage and limits consistent across every door on one renewal rhythm.
How is this different from the statewide DP-3 landlord page on tapinsuretx.com?
Our statewide guide covers the basics of dwelling-fire coverage for any Texas rental. This page is written specifically for Fort Worth and Tarrant County — local neighborhoods, the local rental market, DFW hail exposure, and all four landlord carriers we shop here. Read the statewide basics: DP-3 Landlord Insurance for Texas Rental Property.
Let's cover your Texas rental the right way — Fort Worth included.
DP-3 coverage, loss-of-rent, and liability shopped across Steadily, Foremost, Germania, and ISC AU Gold. Free, no-obligation quote.