Renters Insurance

The state of Texas requires you to have auto and motorcycle liability insurance. Your lender requires you to have home insurance. If you live in an apartment or rental home/condo you need to protect yourself, your space, and your personal property. Even if your landlord does not require you to have renters’ insurance, Insure Texas LLC recommends that you invest in a renters insurance policy prior to moving in. In Houston and the greater Houston area renter’s insurance policies are extremely affordable. However, price is not the only reason you should invest in a renters insurance policy. When you call our office, our agents will inform you of the following reasons why renters insurance is critical.

Your landlord’s policy does not cover your personal property.

Your landlord’s policy will protect the home or apartment that you are renting. It however will not cover your personal property. Nor will it protect you from any personal liability you may be exposed to. In the case of a storm, hurricane, burglary or fire the landlord’s policy will cover their structure but it will not cover your property. Fully furnishing your home is expensive and not worth risking simply over not being properly insured. Think about how long it took you to accumulate your electronics, jewelry, and furniture.

Protect your stuff and work productivity.

If you work from home renters’ insurance is twice as important. If your home is burglarized or damaged due to a storm/fire and your work equipment is stolen/damaged and you are not insured, you are exposed to twice the risk. Not only do you have to replace your property out of pocket, but you will miss time from work due to not being able to perform your daily responsibilities without your equipment.

If you rent in the Greater Houston area or anywhere in Texas, you need renters’ insurance. Call or come see us at Insure Texas LLC and we will help guide you towards the right renters insurance policy.