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Renter Tips 5 min readFeb 22, 2026

Texas Renters: Is Your Stuff Covered? Why Insurance is a Must

Your landlord's policy protects the building, but it won't replace your laptop, couch, or clothes. Renters insurance is the missing piece of the puzzle.

The Landlord Myth

One of the biggest mistakes Texas tenants make is assuming their landlord’s insurance covers them. While the landlord protects the physical structure, the contents of your apartment and your personal liability are entirely your responsibility.

The 3 Pillars of Renters Insurance

Personal Property

Covers your electronics, furniture, and clothes from theft, fire, or water damage.

Personal Liability

Protects you if a guest is injured in your home or if you accidentally damage someone else's property.

Loss of Use

Covers hotel stays and extra food costs if your rental becomes uninhabitable due to a covered claim.

Affordability Spotlight

$15/Month

That's the average cost of renters insurance in Texas. For less than the price of a couple of pizzas, you can protect thousands of dollars in assets.

Unexpected Benefits

  • Off-Premises Coverage: Your stuff is covered even if it's stolen from your car or while traveling.

  • Dog Bite Liability: Most policies include liability coverage if your pet happens to injure someone.

  • Credit Card Fraud: Some policies offer reimbursement for expenses related to identity theft or unauthorized charges.

Smart Tenants
Stay Insured

Protection is cheaper than you think. Get your instant Texas Renters quote from A-LA today.

SECURE YOUR STUFF