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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Insurance for Landlords
We place every line a rental-property owner needs — liability, umbrella, and more — and we lead with the coverage that protects the investment itself: landlord property coverage, shopped across carriers for the best qualified price.
A full program, led by Property
Every coverage a rental needs — starting with the one that protects the asset.
KHT places the complete program for rental-property owners: landlord property coverage, owner's liability, loss of rental income, umbrella, and — when you own several properties — a schedule that brings them under one roof. Whatever your portfolio carries, we can quote it without making you re-explain the same building three times.
But we lead with property and the income it produces, because that's where a rental owner's real exposure lives.
Landlord Property & Income
Not your home — an income-producing asset, and a personal homeowner's policy won't cover it as one. Landlord insurance is built around the risks of ownership: damage to the structure, your liability as owner, and the rent you'd lose if the place went dark.
It's also priced differently by property. A single duplex, a handful of single-family rentals, and a small apartment building don't face the same risk — and the carriers who price them well aren't the same.
That's what an independent broker is for: matching the property to the market that prices it best, instead of a one-size online quote.
Building & structure
Repair or rebuild costs when the property is damaged by a covered event — the core of what your investment is worth.
Landlord liability
Defense and damages if a tenant or visitor is injured on the property and the claim lands on you as the owner.
Loss of rental income
The rent you'd otherwise collect, covered while a covered loss makes the unit uninhabitable and being repaired.
If your business needs it, we likely write it.
Eighteen commercial lines across four areas — from the policies every business carries to specialty and surety coverage.
Properties we place
Built for the rental-property owner.
Whether you own one property or twenty, tell us what's in the portfolio and we'll structure coverage that fits it — without making you re-explain the same building three times.
● Single-family rentals
● Duplexes & fourplexes
● Small apartment buildings
● Condo rentals
● Mixed-use property
● Short-term rentals
● Multi-property portfolio
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 carriers, 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.
The renewal difference
Coverage that keeps up with the portfolio.
Property owners get burned by renewals that arrive too late to shop and by gaps nobody flagged until a claim. Here's how we handle it instead.
At placement
We match the property
We look at property type, condition, location, and occupancy — and place it with a carrier that actually wants that risk at a fair price.
Ahead of renewal
We quote early
Your renewal gets shopped well before expiration, so you have time to compare instead of accepting a number the week it's due.
As you buy
The schedule grows with you
Add a property and we fold it into the program — one point of contact, one coherent schedule, no scattered policies to track.
Getting a Quote
Straightforward from here.
1
Tell us about your firm
We quote your renewal well ahead of expiration — time to review and compare, not a take-it-or-leave-it the day before.
2
We shop your coverage
We quote it with multiple top-rated insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation — the lowest qualified quote, 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 Landlords ask.
No. A homeowner's policy is written for an owner-occupied home and generally excludes property you rent to others. A landlord policy is built for a rental as a business — covering the structure, your owner's liability, and lost rental income.
Often, yes. When you own several rentals we can schedule them together so you have one point of contact and one renewal cycle instead of a pile of separate policies. We'll structure it around what you actually own.
It can. Loss-of-rental-income coverage replaces the rent you'd have collected while a covered loss makes the unit uninhabitable and it's being repaired. We'll make sure the limit reflects your real rent roll.
Yes. Lenders routinely require coverage and to be named on the policy during a mortgage. We place coverage that meets the requirement and issue the certificate or evidence your lender needs.
Your policy covers the building and your liability as owner — not your tenants' belongings. Many owners require tenants to carry renters insurance, and we're glad to explain how the two policies work together.
No. Many owners come to us for a single rental first, then consolidate the rest of the portfolio later. There's no requirement — property is where we lead.
Quote your landlord coverage.
Start with one property or your whole portfolio — tell us about the properties you own 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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