Short answer
Coverage depends on property use, location and policy wording. A standard owner-occupied policy may not match a rental.
What to do next
Discuss rental use, liability limits, loss of rent and flood exposure with a licensed insurance professional.
Save the current lease, dated messages, receipts and any property-specific evidence together. A useful record shows what happened, when it happened and which document or rule you relied on.
Check the source
Rules may change and the right answer can depend on the home, city, lease and timing. Review the current official material before signing, charging a fee, sending a notice or making a legal decision.
Texas State Law Library — Landlord/Tenant Law ↗
Put it into your workflow
A repeatable process turns a one-time answer into a reliable rental record. Capture the action in your property file, assign a follow-up date if needed and make sure any tenant communication matches the signed agreement.
Discuss rental use, liability limits, loss of rent and flood exposure with a licensed insurance professional.
General information for U.S. landlords, with a Texas focus. This guide is not legal, tax or accounting advice. Consult a qualified professional for your situation.