Texas Renters Insurance
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- Texas Renters Insurance
3 Min Read
Whether you’re renting in Austin, Dallas, San Antonio, Houston or one of the other amazing towns in The Lone Star State, getting the best renters insurance in Texas has never been easier. At Clovered, we partner with many of the state’s top companies to provide affordable renters insurance for nearly everyone in the state.
As a renter in Texas, you can choose from many different options of Texas renters insurance. But that may mean you need to jump from site to site searching for the best price. With Clovered’s intuitive online quoting tool, finding the best renters insurance in Texas is easier than ever!
From how much is renters insurance in Texas to what it covers and everything in between, this is what you need to know about your renters insurance in Texas.
What’s Covered With a Texas Renters Insurance Policy?
Coverage C: Personal Belongings
As a renter, you have personal belongings and you need them to be protected in the event of a hurricane, break-in or other peril. Renters tend to undervalue their belongings, so make sure you calculate the cost of your clothes, electronics and all other personal items you keep on the property.
Coverage D: Loss of Use
If the rental unit you live in gets damaged or destroyed and you’re forced to leave your home temporarily, loss of use coverage can help with the costs of finding a new home, storage unit to store your belongings, gas and food that you wouldn’t have otherwise spent and even boarding for your pets.
Coverage E: Personal Liability
Accidents happen. It’s a fact of life. Personal liability can protect your financial well-being if a guest of another person is injured on your property and you’re found liable. This coverage is typically $100,000 and goes toward covering medical bills and legal expenses for things like dog bites and major injuries.
Coverage F: Medical Payments
Medical payments to others covers the more minor injuries that occur on your property. Unlike liability coverage, the injury doesn’t have to have been your fault. MedPay, as it’s often called, usually provides $1,000 to $5,000 that can be used for things like X-rays, physical therapy and doctor visits relating to the injury.
How Much Is Renters Insurance in Texas?
Texas renters insurance is above the national average due to the number of perils the state faces, such as hurricanes and tornadoes, but it’s still the cheapest form of home insurance offered in the state. The average cost of renters insurance in Texas is about $180 per year.
That’s incredibly cheap when you consider the average renters insurance policy in Texas provides you with about $30,000 worth of coverage for all your personal belongings, another $100,000 in liability coverage, and may even add some loss of use coverage that kicks in if a covered peril unexpectedly forces you from your home.
- Average Renters Insurance in Texas Cost: $180 per year
Is Renters Insurance Required in Texas?
By law, renters insurance is not required in Texas. However, if you’re renting a house or apartment from a landlord who doesn’t own a slew of rental properties, they may be allowed to add a clause in the lease that requires you to maintain adequate coverage. Still, it’ll only set you back about $15 per month, so it’s well worth it!
How to Get Cheap Renters Insurance in Texas
f you’re looking for cheap renters insurance in Texas, you don’t have to settle for the average cost. Simply get a quote from Clovered and we’ll pair you with multiple policies that sufficiently cover you and your belongings.
You can quote online or reach out to our team of licensed agents at 833-255-4117 during business hours. We’ve helped thousands over the years, and one of our team members would be happy to help you find cheap renters insurance in Texas. You can also email us at [email protected].
Averaging just $12 per month, renters insurance can protect your belongings for the cost of a few cups of coffee.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
