Habitational Insurance in Dumas, TX
Protect your rental properties with tailored coverage designed for apartment complexes, duplexes, and multi-family dwellings.
Coverage Built for Property Owners
Whether you manage a single rental home or a portfolio of apartment buildings, owning rental property comes with real risk — from weather damage to tenant liability claims. Habitational insurance (sometimes called landlord insurance or lessor’s risk) helps protect your investment, your income, and your peace of mind.
At Getmannis Insurance Agency, we help property owners in Dumas and surrounding areas find the right coverage for their buildings, business operations, and tenants.
What Does Habitational Insurance Typically Cover?
Property Coverage
Covers damage to the structure from fire, wind, hail, vandalism, or other covered losses.
General Liability
Protects you from lawsuits related to tenant or visitor injuries on the property.
Loss of Rental Income
Reimburses lost rent if your property is uninhabitable due to a covered claim.
Equipment Breakdown
Optional coverage for boilers, HVAC systems, elevators, and other critical building equipment.
Ordinance or Law
Helps cover the cost of bringing your property up to current building codes after a covered loss.
Tenant Discrimination & Wrongful Eviction
Available add-ons that help defend against claims made by current or former tenants.
Why Partner With Getmannis Insurance Agency?
Local Expertise
We understand the unique risks and regulations that landlords in the Texas Panhandle face.
Custom Solutions
No two properties are alike. We tailor each policy to your buildings, tenant profile, and risk tolerance.
Independent Options
As an independent agency, we work with multiple insurance carriers to help you find the right fit.
Frequently Asked Questions
Is habitational insurance required by law?
Not by the state, but lenders, investors, or local ordinances may require specific coverages for rental properties.
Does this cover tenant belongings?
No — tenants should carry their own renters insurance. Habitational insurance covers the building and landlord liability.
What if I have multiple properties?
We can bundle multiple rental properties into one policy or help you manage separate policies for each location.
Protect Your Property the Right Way
Your buildings aren’t just structures — they’re income-producing assets. Let us help you keep them covered with a habitational insurance policy you can count on.
Contact Us or call (806) 935-9087 to request a custom quote today.