Renters Insurance

One of the best states to start a career is in Texas, especially with some of the bigger cities thriving in the job market. Great areas to work are also great places to rent, especially when you want to make yourself available to move with your career. If you are renting an apartment or a home in Texas, make sure that you have a renter's insurance policy with Essential Insurance Service.

Is Renter's Insurance Required?

While renter's insurance is not required by the state of Texas, it could be a requirement by your leasing agency to purchase a policy before you move into an apartment or dwelling. The structure that you will be renting will be insured with an owner's insurance policy, but the contents within will not be covered.

Protect Your Personal Belongings

Any furniture, appliances, electronics, and other items that you have within the rental property is covered by your renter's insurance in teh event of a tragedy. The following incidents are covered in most cases:

  • Accidental Fires
  • Theft/Burglary
  • Vandalism
  • Wind Damage

When you obtain your renter's insurance policy, you should have your items outlined and their value noted so that the insurance agency can quickly assess and reimburse you for replacement items.

Liability Coverage

If you have pets or children, most leasing agencies require renter's insurance for liability purposes. Should a guest of yours be hurt or have their property damaged while visiting, you could be held responsible for repairs and medical expenses. With renter's insurance, you can make a claim and have financial assistance to cover these costs.

Relocation Expenses

Should the rental property need repairs due to unexpected damage, you could be reimbursed for your relocation fees while they are making the renovations. Food, travel, and housing expenses can be covered with your renter's insurance policy.

Get Your Policy Today!

If you are a Texas resident in need of renter's insurance, give our agents at Essential Insurance Service a call today.