Your guide to
Renters Insurance in Texas
Renting does not mean your belongings and liability are covered by someone else. Our agency helps you understand what renters insurance covers and how to choose coverage that fits your home and what you own.
What it covers
Common renters coverages
A renters policy focuses on your belongings and your liability, not the building itself. Limits, deductibles and exclusions vary, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Personal property
Helps protect your belongings, such as furniture, clothing and electronics, against covered events like theft, fire or smoke damage.
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Personal liability
Helps protect you if you are found responsible for someone else's injury or damage to their property.
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Loss of use
If a covered loss makes your rental unlivable, it can help pay for temporary housing and extra living costs.
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Medical payments to others
Can pay medical bills for guests hurt in your home, regardless of fault. It does not cover your own household.
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Belongings away from home
Many renters policies extend coverage to belongings you take with you, such as a laptop or luggage, often with lower limits.
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Scheduled personal property
Added coverage for high-value items like jewelry, art or collectibles that may be above standard policy limits.
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Why it matters
What your landlord's policy usually leaves out
A landlord's insurance generally covers the building and the landlord's own liability. Your furniture, clothing, electronics and other belongings are usually your responsibility, and so is liability for accidents you cause.
Renters insurance can also help if a covered loss forces you to move out while repairs are made. Some landlords require tenants to carry it, so check your lease.
Adding up the value of what you own can help you choose a personal property limit that fits.
Answers
Renters insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Generally, no. A landlord's policy usually covers the building, while your belongings need their own coverage, such as a renters policy.
Texas law does not generally require renters insurance, but a landlord may require it as part of your lease. Even when it is optional, it can help protect your belongings and your liability.
Actual cash value generally pays what an item was worth at the time of the loss, after depreciation. Replacement cost generally pays to replace it with a similar new item. Check which one your policy uses.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.