Renters insurance Texas

Offering affordable renters insurance in Texas since 1978

What is renters insurance?

Imagine there were a fire in your apartment building and, though your actual unit did not catch fire, your carpets, rugs, couches, and curtains were destroyed by soot and smoke. Could you afford to comfortably replace all those items?

If not, this is an example of the kind of hazard renters insurance protects against. In addition to damage from fire, renters insurance protects you from damage and loss resulting from a variety of other hazards like water, lightning, theft, and vandalism. While many people think that they are covered under their landlord’s insurance policy, this is actually not the case. A landlord’s insurance policy protects the building structure itself; renters insurance covers your personal belongings.

What else does renters insurance cover?

Liability Coverage

In addition to protecting your personal belongings, renters insurance policies typically include personal liability coverage. With personal liability coverage, if there’s an accident in your apartment – for example, someone trips and is injured from a fall – renters insurance could cover associated medical expenses for the injured person. If that person files suit against you, your renters insurance can cover your legal defense as well.

Belongings outside of your rental

Renters insurance can extend beyond the walls of your apartment or rented home. For example, if your bike is stolen from your car, your renters insurance could cover such a loss.

Loss of Use

Most renters insurance policies also include what is called loss of use coverage. This means that if damage occurs to your property and you are unable to stay in your unit during renovation, renters insurance can cover your hotel bills up to a specific dollar amount.

How much does renters insurance cost?

Your policy will depend on your specific circumstances. But most people are surprised about how affordable renters insurance really is. Average policies cost only about $15 to $30 per month.

But do I really need renters insurance?

Some landlords require tenants to carry renters insurance, while others do not. But purchasing renters insurance is still a smart choice.

You may not think you have enough stuff to justify purchasing renters insurance. But the truth is that many renters underestimate the value of their possessions, as well as how much it would cost to replace them. While most people consider only the costs of their high priced items (such as electronics or jewelry), what you should really consider when thinking about purchasing renters insurance is how much it would cost to replace all items in the apartment – bicycles, clothing, kitchen tools, dishes, furniture, etc. A typical two-bedroom unit, for example, contains about $30,000 worth of items.

Call Texas State Low Cost today at 800-334-3943 for a free quote!


Policies and pricing may vary and customers must refer to their own declarations page and carrier guidelines for specific information about their policies. These pages do not in any way guarantee or constitute eligibility for coverage.