Renters Insurance
Renters Insurance Quote Forms
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Renters Insurance Information
Insurance for Renters Across Texas
When looking for an apartment or home to rent, many prospective tenants mistakenly believe that they do not have the same insurance requirements as a homeowner. While renters share less responsibilities with homeowners, they are still often required to carry insurance in order to protect their belongings.
The insurance professionals at Primero Insurance Agency are dedicated to providing personalized customer care and creating genuine connections with clients through honesty and hard work. We will help you protect your belongings and your livelihood with a tailored renters insurance policy suited for your needs and your budget.
What Does Renters Insurance Cover?
A basic renters insurance policy through Primero Insurance Agency may include:
Liability
General liability under renters insurance covers bodily injury and property damage someone else may suffer on your rented property. For example, say you have a friend visit and they trip and fall in your bathroom. Renters liability insurance can help pay for their medical bills, along when compensating you for legal expenses in case of a lawsuit. This insurance can also extend to accidents off of the property, including injuries and damages caused by your children or pets.
Personal Belongings
Personal belongings coverage provides compensation if your personal items are lost or damaged due to fire, wind, hail, lightning, smoke, theft, vandalism and more. This insurance does not cover damage to the actual unit or rented property. Instead, it is designed only to cover your belongings, such as furniture, clothes, bags, etc. There are additional policy floaters available to cover expensive items such as jewelry, furs, art and electronics.
Additional Living Expenses
Additional living expenses help with the cost of temporarily moving if the rented space is rendered uninhabitable by a disaster. For example, say your apartment is hit heavily by a tornado and you can no longer live inside until repairs are complete. Additional living expense coverage can play for temporary shelter, such as hotel payments, food and other resources.
How Does Renters Insurance Work?
Unlike a home insurance policy, renters insurance is not geared to cover the physical rental property, such as an apartment unit. Instead, it is designed to cover the tenant and their belongings, as well as everyone else who lives in the unit.
Tenants may purchase renters insurance through monthly premiums. As long as this policy is active, the renter can file a claim and receive compensation for covered damages.
Get Insured Today
Protect your belongings and livelihood with the right renters insurance policy from Primero Insurance Agency. Call us at 830-221-7791 or fill out an online quote form to get started today.
Common Renters Insurance Questions
How Much Renters Insurance Do I Need?
Every renter’s insurance needs are different. In general, you should have enough coverage to cover the value of your insured vehicles as well as the liability limits required by your landlord.
How Much Does Renters Insurance Cost?
Renters insurance premiums vary depending on location, coverage limits, credit score, deductible and other factors. Fill out a quote form to find out how much you can save on renters insurance.
Who Needs Renters Insurance?
Essentially every individual and family renting a space should have renters insurance. In some cases, renters insurance may be required by your landlord. Even without the requirement, renters insurance is important to keep your belongings safe.
Primero Insurance Agency provides renters insurance for tenants in the New Braunfels, San Antonio, Sequin, San Marcos, and Austin areas. Get a renters insurance quote today!
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