In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
John Shanahan
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Landlord insurance
Protection for the property you rent to others
Renting out commercial or investment property carries risks a homeowner's or standard property policy won't cover. Landlord insurance protects the building, your liability as an owner, and the rental income you depend on.
WHAT LANDLORD INSURANCE COVERS
Owning property others occupy is its own risk.
Landlord insurance protects owners of rental and investment property against the specific exposures that come with leasing space to tenants. It typically combines property coverage for the building and owner's contents with liability protection for claims arising from your ownership — and, importantly, loss-of-rent coverage that replaces the income you lose when a covered event makes the property untenantable.
The gap it fills is real. A homeowner's policy won't cover a property you rent out, and a tenant's own policy protects their belongings, not your building or your liability as the owner. Between physical damage, injury claims from tenants or their visitors, and interrupted rent, an uninsured or underinsured rental can turn an income-producing asset into a serious loss.
Rental exposures vary widely — a single retail unit, a multi-tenant office, a mixed-use building, or a portfolio of properties each call for different structuring. Matching your specific holdings to the right coverage and carrier is where an independent agent who shops the market keeps you properly protected and fairly priced.
Building & structures
Physical coverage for the property you own and lease to others.
Owner's liability
Claims from tenants or visitors injured on your property.
Loss of rental income
Replaces rent lost while a covered loss makes the property untenantable.
WHO IT's FOR
Owners of property they lease out.
If you own property that others occupy — commercial, residential-investment, or mixed-use — you have landlord exposure that standard policies don't address.
● Commercial property owners
● Owners of multi-tenant buildings
● Mixed-use property owners
● Investment property owners
● Owners of leased retail or office space
● Real estate investors with portfolios
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple insurance companies, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
Getting a Quote
Straightforward from here.
1
Tell us about your business
Start a quote request or call. We’ll confirm exactly what your business needs.
2
We shop your coverage
We quote it with multiple insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation with the lowest possible price, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
You can buy insurance anywhere, but what sets KHT apart from the rest is service, and they are the best. The best compliment you can pay is when you are asked 'who do you have your insurance with' say KHT!
Buddie Hrabal
You will not be playing phone tag with their answering machine. KHT is always there to answer questions and to find the best deals for us.
Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions we hear the most
No. A tenant's policy covers their own belongings and liability, not your building or your liability as the owner. Requiring tenants to carry insurance is smart, but it doesn't replace your own landlord coverage.
Not for a rental. Homeowner's policies exclude property rented to others, and a standard property policy may not include the loss-of-rent and owner's-liability protections a landlord specifically needs.
Yes — loss-of-rent (fair rental value) coverage replaces the rental income you lose when a covered event makes the unit untenantable while it's repaired. It's one of the most valuable pieces of a landlord policy.
It depends on the property type, location, construction, tenant use, and the limits you carry. A portfolio is structured differently from a single unit. Start a quote or call and we will shop it with multiple insurance companies for you.
Get your landlord insurance quote.
Tell us about your business and we'll shop it — or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
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