{"id":69,"date":"2021-05-28T04:00:00","date_gmt":"2021-05-28T10:00:00","guid":{"rendered":"https:\/\/www.insuranceovertexas.com\/blog\/?p=69"},"modified":"2021-05-30T18:47:14","modified_gmt":"2021-05-31T00:47:14","slug":"is-renters-insurance-required-in-texas","status":"publish","type":"post","link":"https:\/\/www.insuranceovertexas.com\/blog\/is-renters-insurance-required-in-texas\/","title":{"rendered":"Is Renters Insurance Required in Texas?"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">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&rsquo;t remember to purchase renters insurance because they assume that the landlord&rsquo;s insurance covers them. The reality is that the landlord&rsquo;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.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Does Texas require renters insurance?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">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&rsquo;s a worthwhile investment to consider.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What does renters insurance cover?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Standard renters insurance provides the below coverages:<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Personal property coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;The landlord&rsquo;s policy covers damages to the building, including perils like water and fire damage. However, the occupants&rsquo; belongings aren&rsquo;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.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Liability coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;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.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Loss of use coverage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;This coverage pays for additional living expenses (like hotel food and accommodation) when your condo or apartment becomes unlivable due to a covered peril.<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Now that you have seen renters insurance is a wise investment, it&rsquo;s time to purchase one from Insurance Over Texas. Please contact us today or visit our Houston, TX, to chat with our agents.<\/span><\/span><\/span><\/span><\/span><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\">&nbsp;<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&rsquo;t remember to purchase renters insurance because they assume that the landlord&rsquo;s insurance covers them. The reality is that the landlord&rsquo;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[10,11],"class_list":["post-69","post","type-post","status-publish","format-standard","hentry","category-renters-insurance","tag-houston-tx","tag-insurance-over-texas"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/posts\/69","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/comments?post=69"}],"version-history":[{"count":1,"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/posts\/69\/revisions"}],"predecessor-version":[{"id":70,"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/posts\/69\/revisions\/70"}],"wp:attachment":[{"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/media?parent=69"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/categories?post=69"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuranceovertexas.com\/blog\/wp-json\/wp\/v2\/tags?post=69"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}