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Rental Risks – Make Sure You’re Covered

Renting a home or apartment offers convenience and ease, but there are risks to consider and manage. Theft, damage to personal property by fire, weather, or someone else getting hurt in your apartment are just a few of the potential claims a tenant could experience.

The right renters insurance policy will protect you from these potential claims and many more, giving you peace of mind to enjoy your home or apartment.

How Does Renters Insurance Work?

If you suffer a covered loss in a rented home or apartment, you may file a claim against your renters insurance policy to recoup any losses you have suffered.

For example, let’s say that your apartment gets burglarized and valuable jewelry, cash, and electronics are stolen. The insurance company will pay you to either replace those items or their current value, depending on the specifics of your policy.

In another scenario, if you host a party and someone slips and falls in the kitchen, they could sue you if they deem you liable for their injuries. Without renters insurance you would have to fight and settle that lawsuit yourself, but if you have insurance, the insurance company will generally handle all aspects of the suit including any amounts due the plaintiff up to the liability limits of your policy.

Do I Need Renters Insurance?

While renters insurance is not required by law, many landlords and management companies will require that you carry it.

Even if it is not required, it’s strongly advised. The cost of insurance is generally very low when compared against the potential cost associated with a loss. Just think, if a fire breaks out in your apartment and most of your furniture, appliances, and personal belongings are destroyed, do you want to replace all of those items from your own pocket?

What Does Renters Insurance Cover?

Renters insurance offers coverage for a tenant’s lost or damaged possessions as a result of any of the following. It will also cover your liability in the event a visitor is injured in your home or apartment.


Smoke Damage


Water Damage


Many Others

How Much Is Renters Insurance?

$15-30 PER MONTH

Typical renters insurance policies cost between $15 and $30 per month. The cost will depend on several factors including, location, size of home or apartment, and the value of your possessions Every policy is of course different, and your exact cost will depend on the specific coverages you want.

Does Renters Insurance Have a Deductible?

Yes. Like most insurance, there is a deductible that must be met before a claim is paid. Higher deductible policies are typically cheaper than lower deductible policies. For most renters policies, the deductible is typically $500.

How Do I Get Renters Insurance?

Texan Insurance makes getting renters insurance an easy process. The first step is to talk with one of our agents, who will listen to the specifics of your situation and help you review all your options and select the right amount of coverage.

Call us at 281-998-2500 or click below to get started!



Renters Insurance Quote

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