Renters Insurance in Dallas, TX
Renting a home or apartment in Texas means you may face potential risks. At City Auto Insurance, we offer renters insurance that may cover costs if your belongings are damaged, stolen or destroyed, within your policy limits.
Who Needs to Get Renters Insurance?
Anyone living in a rental property in Texas, such as an apartment, condo or house, may find renters insurance helpful. Many landlords require tenants to carry this coverage as part of the lease. Even if it’s not required, renters insurance can help reduce out-of-pocket costs after a loss.
What Does It Cover?
Standard renters insurance plans may offer coverage for:
- Personal property coverage may help cover the cost of repairing or replacing your belongings, such as furniture, electronics and clothing, if they’re damaged or stolen due to events like fire, theft or certain types of water damage.
- Liability coverage can help cover legal fees and medical expenses if someone is injured in an incident you cause or if you accidentally cause damage to someone else’s property.
- Additional living expenses may help pay for temporary housing and extra living costs if your rental becomes uninhabitable due to a covered loss.
However, your policy may have limitations. Some situations may be excluded, such as:
- Flood or earthquake damage (separate policies may be needed)
- Damage to the building structure (covered by your landlord’s insurance)
- High-value items above policy limits unless scheduled separately
How Much Does It Cost to Insure My Rental?
Costs may depend on factors such as your type of residence (e.g., apartment or house), local risks, location, claims history and your chosen coverage limits and deductible.
Get Started Today
Contact City Auto Insurance today to get a free quote or learn more about your coverage options.