Renters Insurance - Dallas, Fort Worth, San Antonio

Texas Property Renters: Insure Your Rental Home with Coverage for Your Personal Risks

By renting a property, you’ll get all the perks of homeownership without a lot of the more-challenging costs and responsibilities. Yet, you still must protect yourself, your possessions and the property for financial reasons.

Let the team at La Familia Auto Insurance help you pinpoint and enroll in top-rated renters insurance that will protect you at any time you need. Call us at 888-751-7511  or get a free online quote now!

What is Renters Insurance?

You won’t officially own the rental home you live in. However, you still pay rent on it, and you still own the possessions inside. So, if a damaging incident comes along that damages the possessions in your home or harms someone, you could stand to lose a lot of money.

Renters insurance will help you avoid costly losses in such scenarios. With a policy, you can get monetary support to clean up these messes. Coverage can provide money and other assistance to help you pay for damage without shelling out significant amounts of personal savings.

Why do I Need Coverage?

Renters insurance is about financial security and personal protection. With coverage, you might be able to pay for things like belongings damaged in a house fire, or property damage you do to the rental. Therefore, the coverage can help you weather the unexpected accidents at home. In the long run, you will be able to better protect yourself, your property and other people.

What Will My Policy Cover?

Most renters insurance policies will cover multiple personal risks and responsibilities in your home.

• Possessions insurance: This coverage will apply to your personal belongings that you move into the rental. Coverage might pay for damaged clothing, food, electronics or furniture.
• Liability coverage: There is always a chance you could cause harm to someone else when they visit your home. Liability coverage can help you pay for the property damage or injuries you cause to third parties. If you damage the rental itself, you can also use this coverage to pay for the repairs to the property.
• Additional living expenses coverage: Sometimes, after a covered claim, you might have to move out of your home while it undergoes repairs. Additional living expenses coverage can help you pay costs like hotel bills or dining expenses during this time.

Please note: Renters insurance won’t cover every type of loss the home might experience. For example, your policy might not pay for possessions damage from floods or earthquakes. You’ll likely need special coverage specifically for these types of risks. Your policy also won’t pay for routine wear and tear your items experience. Simply needing to replace a worn-out microwave oven won’t qualify for a claim.