Renters insurance protects what your landlord’s policy does not
Your landlord’s insurance covers the building — not your belongings, and not your liability. Renters insurance is an affordable way to protect the things you own and the responsibility you carry as a tenant.
Get a renters insurance quote
Request personal help to compare renters insurance options in Texas. An insurance professional will help you find the right personal property and liability coverage for your rental.
Personal property
Your furniture, clothing, electronics and other belongings are covered up to your policy limit — subject to sub-limits on items like jewelry and electronics.
Liability
Protects you if someone is injured in your rental or you’re responsible for damage to others — including legal defense costs.
Loss of use
If a covered loss makes your rental unlivable, this helps pay for temporary housing and extra living expenses while it’s repaired.
Replacement cost vs. actual cash value
Replacement cost pays to replace your belongings at today’s prices. Actual cash value subtracts depreciation — the difference on a claim can be significant.
Common exclusions
Flood, earth movement and certain water damage are commonly excluded. Knowing what’s not covered is as important as knowing what is.