Texas Renters Insurance

A Texas 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 to 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 Texas can help you if:

Your Texas apartment building has a fire and your personal items are damaged or the 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 renters 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!

Ways to Save on Your Texas Renters Insurance with GEICO

GEICO offers renters insurance discounts to renters in Texas so you can get the coverage you need at a price you can afford. Some discounts available in Texas are:

• Bundling: You could save money by bundling your Texas renters insurance with other coverages through GEICO.
• Smoke Alarms: Texas renters with smoke detectors, sprinkler systems, and fire extinguishers in their homes could save on renters insurance.

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 destroyed 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 renters insurance 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 in Texas 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.

Other Considerations: Extreme Weather Conditions in Texas

Texas is prone to extreme weather conditions, like tornadoes, floods, earthquakes, and more. It’s important to note that renters insurance covers property damage caused by high winds, but it generally doesn’t cover damages from floods or earthquakes. Protection from these events requires separate specialty insurance policies.

Renters Insurance in Texas FAQs

Renters insurance is not required by law in Texas, but some landlords and rental agencies may require tenants to have it as part of the lease agreement. While not mandatory by state law, having renters insurance is highly recommended because it provides essential protection in the event of a covered loss.

• Location
• Property type
• Security features
• Coverage amount
• Claims history
• And more