Texas landlord home insurance is different from a standard homeowner's policy in several ways.Because of this a landlord will usually get a specialized type of homeowners insurance.This is sometimes called a dwelling policy.Personal property (contents) is not usually standard with a landlord home policy.There is often an option to get this at extra cost.That is a good idea if the home is furnished with appliances and or furniture.You will probably be able to select the dollar amount of this coverage that you want.Personal property theft is normally excluded from coverage.Personal liability and medical payments to others coverage will probably by optional with a landlord's home insurance policy.There will probably be an option to have liability coverage added with extra cost.This is usually inexpensive and I recommend getting liability coverage.Texas has standardized packages of coverage and most landlords get a Texas Dwelling Policy (TDP1, TDP2, or TDP3 package.) TDP1 is the least expensive and covers basic risks.TDP2 covers some additional perils including rupture or bursting of water pipes, fall of trees, glass breakage, and collapse of building.TDP3 includes TDP2 plus trees, shrubs, plants, special form (broader coverage) on the building, and additional living expenses.(Please note that your actual policy may vary from my description and you should ask your agent to explain all details of any policy that you get).In many cases I suggest the TDP3 policy because it has better coverage for only slightly more than a TDP1 plan.Then ask about your options to upgrade by adding things like some content coverage, personal liability, and medical payments to others coverage.Your agent should discuss all available discounts with you.This can include things like an alarm system, newer home, updated electrical or plumbing, claims free, good credit, and senior citizen discounts.Flood coverage will not be included with your policy.If you are in a high risk area this is essential.If the home is not at high risk the cost will be very low.I usually suggest getting at least some flood coverage.Another consideration for landlords is a renter's insurance package for the tenants.This is important for them and you.You want their property to be covered to reduce the possibility of a claim against you if they have a loss.For example, if there is a fire and they have $50,000 in property destroyed, they might claim it was your fault because the home had an issue with the electrical system.You could also have exposure for a liability claim in the event of an injury.I suggest requiring the tennant to have a high level of liability coverage.A renter's package policy is usually inexpensive and is typically in the $100 to $300 per year range.Consider making renters insurance a requirement in your lease.You may want to require proof of a 1 year paid-up policy at move in time.Ask your agent to advise you about how much coverage is sufficient.

Asthma is unfortunately one of those diseases for which there is still no cure.However, this does not mean that a person who has it cannot live a normal life.The key is that it should be diagnosed.It is one of those diseases that can be kept in strict control if it is diagnosed early enough.The trouble is that early symptoms of asthma seem to be just fatigue, and is usually interpreted as such.As more and more time goes by with nothing being done to keep it under control, the more your chances are of getting a severe asthma attack.And, as the statistics show, over 5000 deaths a year are attributed to asthma attacks.The frightening part, according to the statistics, is that even people with mild cases can have fatal attacks.This means that if it is too mild for the person to take asthma as a serious possibility, there is still a chance that it might be too late before he or she can make that choice.According to the American Academy of Allergy, Asthma and Immunology (AAAAI), in the past few years, the statistics have been alarming.Over twenty million people are reported to have asthma - and these are just the diagnosed cases.Even more frightening, the incidence of the disease among children has risen.Especially hard hit have been poor children in urban areas - a clear indication that atmospheric pollution and asthma are closely linked.Over 65% of reported cases all over the world are from America.That is definitely food for thought.It has been observed that children whose parents have it are more likely to develop it, as well.In fact, asthma statistics show that about 40% of all children whose parents are prone to it develop the disease, as well.In spite of all the bad news, the good news is that if it is diagnosed in time, it can be kept under control.Even if it is hereditary, you can feel sure that you can live a normal, active life.In fact, if it is hereditary, diagnosis will only become easier.It is too easy to dismiss early stages of asthma as just breathing trouble, or getting out of shape.An attack that is quite mild can even be dismissed as a persistent and irritating common cold, or a bad case of flu.Once it is diagnosed, you can avoid things that will trigger attacks, and, with proper medication, it will not even be a real factor in your life.