Personal insurance
Share the type of residence and its location. The team can help you understand which policy details to review for your rental situation.
Understanding your options
Renters insurance is designed around a tenant’s belongings and liability rather than ownership of the building. Policies may also help with additional living expenses after a covered loss makes the rental uninhabitable.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
Renters coverage may help with personal belongings after a covered loss, certain liability claims and additional living expenses when a covered loss makes the home uninhabitable. Each part has conditions and limits. Make an inventory and check special limits for jewelry, electronics or business property.
Compare replacement cost with actual cash value, which generally accounts for depreciation. A deductible may reduce a payment for a covered property loss. Most renters policies do not cover flood damage; ask about separate coverage and read the conditions for your belongings and location.
Bring the rental type, Texas city or ZIP, an estimate of your belongings and any insurance requirements in the lease. The property limit, deductible, location and coverage choices can influence the premium. Check the written quote and effective date before relying on a policy.
Before you reach out
Common questions
Estimate the value of your belongings and compare the property limit, valuation method and deductible. Review the liability limit and the policy’s conditions for additional living expenses after a covered loss.
A limit caps payment for a coverage, and some belongings may have smaller special limits. Exclusions identify losses the policy does not cover. Check the declarations and policy wording for your property and circumstances.
A landlord’s policy generally protects the owner’s property and interests, not a tenant’s personal belongings. Renters insurance is a separate policy; check its covered causes of loss and limits.
Most renters policies do not cover flood damage. Ask about a separate flood policy and review what belongings and locations it covers, its limits and any waiting period.
Texas does not generally require renters insurance by law, but a lease or landlord may require it. Review the lease requirements and compare them with the coverage you need for your belongings and liability.
Start a conversation
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.
