Renters Insurance
Your landlord insures the building — not your stuff. Protect your belongings and your liability for about the cost of a couple of lunches a month.
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Renters insurance, made simple
What renters insurance covers
For a few dollars a month, a renters (HO-4) policy protects three big things:
- Your belongings — furniture, electronics, clothing, and more, against fire, theft, and many disasters, even away from home
- Personal liability — if someone is injured in your unit or you accidentally damage someone’s property
- Loss of use — hotel and extra living costs if a covered loss makes your place unlivable
- Medical payments — small injury costs for guests, no fault needed
Why your landlord’s policy isn’t enough
Your landlord’s insurance covers the building — not a single thing you own inside it, and not your liability. If a kitchen fire, a burst pipe, or a break-in wipes out your belongings, that’s entirely on you unless you carry renters insurance. Many Texas landlords now require it for exactly this reason, and proof is usually easy to provide.
It’s cheaper than you think — and bundles
Renters insurance is one of the best values in insurance: solid coverage often costs about the price of a couple of lunches a month. Bundle it with your auto policy and you’ll usually save on both. We’ll shop it across carriers and get you covered in minutes.
Renters insurance questions, answered
How much does renters insurance cost in Texas?
Most renters pay roughly $12–$25 a month depending on coverage limits, location, and deductible. Bundling with auto usually lowers both. We shop carriers to find your best rate.
Does renters insurance cover my roommate?
Not automatically — policies generally cover the named insured and family members. Roommates should carry their own policy or be added where the carrier allows. We’ll set it up correctly.
Are my belongings covered away from home?
Usually yes. Renters insurance typically follows your personal property off-premises — in your car, on a trip, or in storage — subject to your limits. We’ll confirm the details for your policy.
Does it cover water damage or flooding?
It can cover sudden water damage like a burst pipe, but flooding from outside (rising water) is excluded and needs separate flood insurance. We can arrange that too.
Protect your place for a few dollars a month.
Tell us what you need. We’ll shop the market and get back to you fast — no pressure, no jargon.