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Renters Insurance

Renters Insurance Information

All of the better apartment communities today require their residents to have Renters Insurance.  Most require a policy with $100,000 Personal Liability.  Our Renters Policy can also cover your personal property if it is damaged by loss from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, it does not cover floods, earthquakes or routine wear and tear.  You can buy separate policies for flood and earthquake damage.

Our policies can also cover your additional living expenses if you are forced out of your home because of a disaster.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Decide How Much Insurance You Need.

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.

3 good questions to ask... WILL MY POLICY COVER:

1.  REPLACEMENT COST?   Or will I get $200 for my TV that I paid $1,000 for just 3 years ago?
2.  WATER DAMAGE?  Or will I get nothing when all my stuff is ruined from a broken pipe upstairs?
3.  LOSS OF USE?  Will it pay my hotel bill while damage to my apartment is repaired?
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Dallas, TX 75287
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