Commercial Property Insurance in Texas

Protect the Physical Side of Your Business

From buildings to laptops to inventory, commercial property insurance helps pay for repairs or replacement when your physical assets are damaged or destroyed.

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What’s Included in Commercial Property Coverage

Our Houston-area clients often choose:

 Building Coverage

Covers owned office, retail, or warehouse buildings from fire, storms, and vandalism.

Business Personal Property

Protects furniture, computers, inventory, and supplies—whether owned or leased.

Equipment Coverage

Includes machinery, tools, or technology essential to your operations.

Outdoor Fixtures & Signage

Optional coverage for exterior signs, fences, landscaping, or satellite dishes.

Loss of Income

Can be added to help replace income lost due to a covered disaster or shutdown.

Replacement Cost vs. Actual Cash Value

You choose how claims are paid—either new-for-old (RC) or depreciated value (ACV).

 Commercial Property Insurance FAQs

  • Is this coverage only for business owners?

    No—you can insure the contents of rented spaces too.

  • Does it include coverage for floods or earthquakes?

    Yes—bundling general liability and property typically saves you money.

  • Can I insure multiple locations?

    Yes—many carriers allow multi-location coverage under one policy.

  • Does it include my home office?

    Maybe. Let us know and we’ll make sure your setup is properly protected.

  • Do I need this if I have a BOP?

    A BOP includes commercial property for qualifying businesses.

  • How are property limits calculated?

    We’ll estimate the value of your building and contents using up-to-date replacement costs.

Let’s Cover Your Assets

At DeShazo Insurance, we help cover the physical assets that keep your business running. Whether you own, lease, or manage space, we’ll tailor protection for your building, equipment, and inventory.