Houston Renters Insurance
Do you live in a rental apartment, condo or home in the Houston, Texas, area? If so, do you have renters insurance? Many people wrongly assume that if something were to happen to their rental unit, their landlord’s insurance would pick up the tab. While this is true for the structural components of the unit, it’s not true for your belongings. This means that if there were a fire that destroyed your belongings, you’d be responsible for the cost of replacing your items. A renters insurance policy can help offset some of those losses.
Amco Auto Insurance is one of Houston’s top insurance agencies, and we offer more than just auto insurance. We’ve been insuring members of the Houston community since June 1987, and we’d be happy to help you insure your belongings with a renters insurance policy. With your policy, you’ll also be protected from other types of damages and losses.
Don’t wait until it’s too late to get the insurance you need. At Amco, we can work with any budget and insurance needs. Contact us at 713-771-2626 to speak to a trusted advisor and get started today.
What Is Renters Insurance?
Renters insurance provides protection against property loss as well as liability if you cause injury or property damage.
Liability coverage—Renters insurance can help protect you if you are responsible for injury or property damage to others or if an injury occurs within your rental residence. It also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented home or elsewhere.
Property coverage—Renters insurance covers your possessions against damage for incidentssuch as fire, smoke, lightning, vandalism, theft and water damage. It does not, however, cover damage from a flood. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or property that is lost or damaged anywhere you happen to be.There are typically two personal property coverage options to choose from: replacement cost value or actual cash value.
Is Renters Insurance Required?
Although renters insurance is not required by law in Texas, many landlords require it.
Is Renters Insurance Expensive?
Generally speaking, because renters insurance covers only the value of your belongings, not the building itself, it is usually quite affordable.
Multiple factors may influence the cost of your renters insurance, such as:
Your credit score
Ready to Get Started?
We’re here to help take the guesswork out of finding an affordable, quality renters insurance policy. Give Amco Auto Insurance a call at 713-771-2626 today to speak to one of our expert agents.