6401 Southwest Freeway, Suite 120
Houston, TX 77074
Renter's insurance is not required in the state of Texas; however, it's a great idea to have a policy to cover your personal items in case of damages. It also contains other sections to provide you with protection.
Some people believe that the landlord or property management company's master policy covers their belongings, but this isn't true. The master policy where you live only covers the exterior of your apartment, condo, or home that you are renting, and you must secure your own policy in Houston, TX for your personal items.
Your renter's insurance policy will cover your belongings in the case of theft, fire, or damages. Your personal property is protected from vehicle impacts, objects that fall on your property, fire, smoke, and water damages from plumbing or appliances leaking, such as a hot water heater. It also covers damages from weather-related items, such as snow weight, sleet, hail, ice, lightning strikes, windstorms, and water damage from bursting water pipes. You will also have coverage in the event of malicious mischief, including theft, vandalism, riots, and civil commotion.
The liability portion of your renter's insurance from the Insurance Discount Center covers costs of medical bills when someone that doesn't live in your household is hurt on your property, or their property is damaged while at your residence. It can also pay legal fees associated with a claim on your personal liability.
IIf an accident occurs on your property that requires significant repairs and leaves your home uninhabitable, the loss of use clause will cover your living expenses, such as shelter and food until you can return to your home.
We understand at Insurance Discount Center that it can be confusing to secure renter's insurance, but we are here to help you. You can call us or come by the office in Houston, TX to discuss a renter's policy at any time. Our team is ready to work with you to build the perfect renter's insurance policy.