Insurance Over Texas

430 Hwy 6 S. #102
Houston, TX 77079

About Insurance Over Texas

Is Renters Insurance Required in Texas?

While renting an apartment, condo, or home in Houston, TX gives you the flexibility of the neighborhood you want to live in; you need to put renters insurance in your mind. Unfortunately, many tenants don’t remember to purchase renters insurance because they assume that the landlord’s insurance covers them. The reality is that the landlord’s insurance covers their building but not your assets. That said, you need to purchase renters insurance from Insurance Over Texas to protect what you value. 

Does Texas require renters insurance?

Although no Texas law requires tenants to buy renters insurance, your landlord may require you to have one before renting their property. Why? Negligence by a tenant can be costly, and worse enough, it affects other people living in the neighborhood. But whether renters insurance is required or not, it’s a worthwhile investment to consider.

What does renters insurance cover?

Standard renters insurance provides the below coverages:

  • Personal property coverage: The landlord’s policy covers damages to the building, including perils like water and fire damage. However, the occupants’ belongings aren’t covered when damaged. Fortunately, when you have renters insurance, you can file a claim if your electronics, furniture, and other assets are damaged or lost through fire, theft, vandalism, and so forth. Renters insurance also covers your property when you travel! However, you may need to purchase endorsements to cover your high-value items like cash and jewelry.
  • Liability coverage: Whether accidental or not, renters insurance covers tenants for property damage and injuries they cause to other people. Besides, renters insurance covers personal liability for legal claims you might face. 
  • Loss of use coverage: This coverage pays for additional living expenses (like hotel food and accommodation) when your condo or apartment becomes unlivable due to a covered peril.

Now that you have seen renters insurance is a wise investment, it’s time to purchase one from Insurance Over Texas. Please contact us today or visit our Houston, TX, to chat with our agents. 

Investing in Renters Insurance

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!

Sharing Renter’s Insurance with a Roommate

When it comes to your belongings, you’ve worked hard for them. Thus, it’s imperative to have your items protected just in case an unforeseen incident happens. Sometimes the unthinkable happens, like a disaster that destroys your rental unit with your belongings, or they become stolen.

With this in mind, having a rental insurance property that adequately covers your rental home and things is very important. Also, if you have a roommate, you can share a renters’ insurance property with him/her. There are various pros and cons with this, and each state has its own rules regarding rental insurance and sharing a renters’ insurance policy with a roommate. However, when you use reputable insurance agents who are highly trained and licensed in renter’s insurance, you can eliminate potential issues regarding having a renter’s insurance with your roommate.      

If you live anywhere in Texas, such as Houston, TX, Insurance Over Texas is the insurance company you should contact about any renter’s insurance question. They are highly trained and licensed with several years of experience. They know and empathize with their clients knowing the drama and confusion that sometimes occur with a renter’s insurance policy shared among roommates.

From handling claims to the ownership of shared belongings, Insurance Over Texas in Houston, TX will help you every step of the way. They are affiliated with tons of insurance products, and they will find the right renter’s insurance policy for you.  Located in Houston, they anxiously await to assist you. You can easily contact them via email and phone. Also, you can get a comparison of quotes from them. So, contact them today. 

 

 

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