Affordable protection for Texas renters. Safeguard your belongings and your peace of mind.
No obligation. Takes less than 2 minutes.
No obligation. Takes less than 2 minutes.
Protect all your belongings
Protection from legal claims
Coverage for alternative living
Low monthly premiums
Many renters mistakenly believe their landlord's insurance covers their belongings. In reality, your landlord's policy only covers the building structure. Your personal property – furniture, electronics, clothing, and valuables – are your responsibility to insure.
Renters insurance in Texas is remarkably affordable, often costing less than your monthly streaming subscriptions. For just $15-$30 per month, you can protect thousands of dollars worth of belongings from theft, fire, water damage, and other covered perils.
Beyond protecting your possessions, renters insurance includes crucial liability coverage. If someone is injured in your rental unit or you accidentally cause damage to the property, your renters insurance helps cover legal fees and damages – potentially saving you tens of thousands of dollars.
Protects your furniture, electronics, clothing, and other possessions from theft or damage.
Covers legal fees and damages if someone is injured in your rental unit.
Pays for hotel and food if your rental becomes uninhabitable.
Covers medical bills for guests injured in your rental.
Most experts recommend coverage equal to the total replacement value of your belongings. Take an inventory of your possessions to determine the right amount. Most policies range from $20,000 to $50,000 in personal property coverage.
No, standard renters insurance only covers the policyholder. Each roommate should have their own policy. However, married couples or domestic partners can typically share one policy.
Actual cash value pays for the depreciated value of your items, while replacement cost coverage pays to replace items with new ones of similar quality. Replacement cost coverage costs slightly more but provides better protection.
While not required by Texas law, many landlords require tenants to carry renters insurance as part of the lease agreement. Even if not required, it's a smart financial decision for protecting your belongings.
Renters insurance doesn't cover your vehicle – you need auto insurance for that. However, personal belongings stolen from your car may be covered under your renters policy.
Get renters insurance starting as low as $15/month.