Do you rent the space you live in? Do you keep personal possessions in it that have value to you?
If you answered yes to either of those questions (and likely, if you answered yes to the first, you answered yes to the second), then we have a question for you: Have you ever thought about what you might do if a fire or flood occurred in your rented home, damaging or destroying all of your personal belongings?
Does my landlord’s home insurance cover me?
Unfortunately, no. Your landlord’s homeowner’s insurance will only cover the physical structure of the rental property—not you or your assets. This means that if something were to happen, and you were to get hurt, or your belongings were to be damaged, you would be responsible for the cost. Your landlord is only responsible and protected from the costs associated with the building.
Now that you know that, the next step is to consider renters insurance. Many Texas residents rent their property and do not consider renters insurance as a necessity. At 1 Stop Financial Service Centers, we believe it is, and we want to help you get it for a cheap price!
What does renters insurance in Texas cover?
Renters insurance will act as a homeowner’s insurance policy for those who rent instead of own. Therefore, it will cover things such as:
- Replacement costs
- General liability
- Personal possessions
- Additional living expenses
Basically, if someone is injured on your property, or your personal possessions are damaged, your landlord’s insurance will not protect you – but your renters insurance will!
Obtaining comprehensive and affordable renters insurance is not difficult at all in Texas, especially when you come to 1 Stop Financial Service Centers. Give us a call today at 888-244-0778 so we can get to know you better and get a feel for your needs. Then, we can offer you the most comprehensive renters insurance available to you, at a rate you can afford. Don’t have time for a phone call right now? Fill out the online quote form – it only takes a minute – and we’ll get back to you!