Renters Insurance in Texas

Are you looking for Texas renters insurance?

A renters insurance quote from the GEICO Insurance Agency can help protect you and your possessions.

If you're renting a house in Dallas, San Antonio, or anywhere else in Texas, renters insurance can help protect your possessions if they're damaged or stolen. In some cases, your landlord may require you carry renters insurance as a condition of your lease. Renters insurance may also provide protection if a guest is injured in your apartment.

Renters insurance doesn't just apply to apartments. You may need renters insurance in Texas if you rent a:

  • Townhome in Fort Worth
  • Loft apartment in Austin
  • Highrise condo in Houston

What is covered by renters insurance in Texas?

Renters insurance in California can help you if:

  • Your apartment building has a fire and your personal items are damaged or damage to your apartment leaves you with no place to live.
  • Someone breaks into your apartment and steals your laptop, cell phone, or flat screen TV.
  • A friend visiting slips and falls in your apartment and decides to sue you for his injuries.

Without insurance coverage, you'd be responsible for replacing your personal items even if their loss isn't your fault. The cost to replace your clothes, laptop, and furniture out of pocket may be substantial.

How much does renters insurance cost in Texas?

The premium you will pay for renters insurance coverage in the state of Texas depends on the types and amounts of coverage you choose to buy and what deductibles you select. Our personal property calculator can help you customize your renters insurance policy with what works for you based on your personal belongings. You can also create a virtual inventory list using our Personal Property Scanner in our app-GEICO Mobile. Then, check out how you much you could save with renters insurance discounts in Texas. You may be surprised at how affordable a renters policy can be!

Other reasons to have renters insurance in TX

While you may not be required by law to have renters insurance, your landlord may require it and it can be a good way to help protect you and your possessions.

Here are a few more reasons to consider renters insurance:

  • Theft: Rental units are prime targets for theft and building security may not protect against unwanted intruders.
  • Fire and Smoke Damage: Although your landlord's insurance might replace the carpet, it won't replace your furniture. Renters insurance can cover items damaged by fire, smoke, and other situations.
  • Water Damage: Similar to fire and smoke, your renters insurance may cover items caused by certain types of water damage.
  • Temporary Living Expenses: If your apartment is damaged due to a covered loss, you may need to find a place to stay. Some policies include coverage for hotel expenses if you can't use your apartment.
  • Liability Protection: Renters insurance can cover injury to another person on your property. It may also include medical payments coverage that pays for expenses of people who don't live with you, but who are injured in your apartment.
  • Inexpensive: Renters insurance can be very affordable, especially for people renting their first apartment. Different deductible levels can raise or lower the cost of your premium—consider what deductible you want to have. Higher deductibles can lower the cost of insurance, but consider how much you're willing to pay as a deductible if you were to have a claim.

Renters insurance is worth looking into to protect you and your possessions and could save you thousands of dollars--all for a lot less than you might think. Get a free renters insurance quote and get covered today.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Renters coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.
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