Renters insurance is a valuable tool. Not only does it have a low-cost premium, but it also provides a significant amount of coverage for you. It’s common for renters to assume that the apartment owner’s insurance coverage will protect their possessions. This isn’t true, though. Some landlords require renters insurance. Even if it isn’t mandatory, it’s a good idea to have coverage. Our agents at Insurance Over Texas work with apartment dwellers throughout the Houston, TX area. They can explain the coverage options that are available and answer any questions. We want you to have the coverage that best fits your life.
The primary function of renters insurance is to protect everything in your apartment. This includes furniture, electronics, jewelry, and clothing. The apartment owner has insurance to cover the building. That policy does not protect anything inside a renter’s apartment. Coverage from renter’s insurance goes beyond that, though. If a disaster damages the building, it can provide funds for your hotel and meal expenses until you can return to your apartment. It will also cover your items if they are stolen or damaged when you are away from home. If your laptop is stolen while you are at a local café, it will still be insured by your policy. Some renter’s insurance policies also offer personal liability insurance. This financially protects you if someone is injured in your apartment due to your negligence.
At Insurance Over Texas, our agents understand the needs of renters in the Houston, TX area. We will take the time to get to know you and your situation so that we can recommend the best policy options for you. Renters insurance is a smart investment in protecting the things that make your apartment your home. Contact us today to explore how renters insurance can work for you!