Insurance & Real Estate Taxes: TCH Recommendations on Managing Costs

Protecting Your Returns: Insurance & Taxes for Midterm Rentals 🏡💼

At Texas Corporate Homes (TCH), our mission is simple: drive the maximum revenue for your property. But true returns don’t just come from top-line income—they also depend on keeping your largest expense buckets—insurance and property taxes—under control.

That’s why, as part of our Owner’s Program, we’ve partnered with experts who know our business model, understand midterm rentals, and already work directly with TCH owners.

Insurance for Midterm Rentals 🛡️

The current insurance market is the toughest in modern history. Many carriers have stopped writing rental home policies altogether. Despite this, our insurance partner, Stonebrook Insurance, LLC, continues to deliver solutions for our owners.

Why Midterm Rentals Are Different 🤔

Insurance companies categorize rental homes based on tenant length of stay:

1. Tenant staying one week or less ⏱️
   • Treated as short-term/vacation rental.

   • Higher risk category, fewer carriers.

     Tenant staying 30 days or more 📆

   • The midterm rental category where TCH operates.

   • Requires specialized underwriting; fewer carriers accept this.

     Tenant staying 6 months or longer (sometimes 1 year) 📑

   • Considered traditional long-term rental.
   • Widest range of options, easier to insure.

Options for Owners ⚖️

• Standard Rental Policies: Coverage available depending on the length-of-stay category.
• Commercial Policies: Best suited if you own 3–5+ homes. These policies can sometimes provide more flexibility and better pricing across multiple properties.

Why Stonebrook Insurance 💡

• Independent agency with access to nearly every major insurance carrier.
• Specialists in Auto, Home, and Commercial coverage.
• Deep experience insuring midterm rentals in partnership with TCH owners.

📧 service@stonebrookinsuranceagency.com

📞 Call: (469) 942-7700

📱 Text: (325) 455-8981

Real Estate Taxes: Keeping Costs Down 💰🏠

While TCH focuses on driving revenue, property taxes are often the single largest ongoing expense for real estate investors—right alongside insurance. To maximize your returns, it’s critical to actively manage your property tax assessments.

How Property Tax Consultants Work 🧾

• Specialize in ad valorem tax protests (annual property tax assessments).
• Typically charge a contingency fee only if they secure savings.
• Savings can be substantial, particularly in high-growth markets where appraisal districts consistently push values higher.

TCH Recommends Working With a Local Tax Consultants📍

The TCH Advantage 🚀

Our Owner’s Program is built to make your investment turnkey and optimized. While we focus on occupancy, rate management, and property care, we also help you control the big-ticket expenses—insurance and taxes—that make the difference between average returns and great returns.

With the right team in place, your property will be positioned to maximize cash flow, equity growth, and long-term appreciation. 📈