The latest census reported that thirty-nine percent of “Big D” housing is provided by rental apartments. However, one recent study reports that only about a third of U.S. renters have purchased coverage for their rented homes. If you lack coverage, you can find affordable Dallas, TX renters insurance from an independent agent.
An independent agent in the Trusted Choice® network can assist you from an office right in your area. These member agents can help you select the right coverage and compare multiple Dallas renters insurance quotes. Find an independent agent today for competitive rate quotes and personal service.
Even though rental insurance policies are usually much cheaper than other types of home policies, your own rates will be determined by your home ZIP code, coverage amount, policy options and other factors. Insurers all have their own rate schedules; this is the reason why shopping around can be an effective way to save money.
Before you start shopping, take a home inventory so you know how much insurance to buy. Otherwise, it might be difficult to know the replacement value of your furniture, jewelry, computers and other items. You can even find smart phone and computer applications that can help you with this task.
Renters insurance is usually much cheaper than other types of home polices. This is because a renter does not need to cover an actual building, just personal belongings. You might even be able to save more money by looking for rental policy discounts.
As you shop around, you may notice that many plans offer similar coverage. Consider these typical coverage types and policy options:
In addition to basic coverage, you may also need to consider additional insurance to cover excluded hazards. Flood insurance is one example of tenant coverage for an excluded event. You can speak with a local agent about what your policy covers and how to purchase additional insurance.
Renters insurance can provide affordable coverage for your belongings. Without it, you could risk losing your belongings and having to replace them all out of pocket. If you face a liability lawsuit and don't have insurance protection, other assets could even be at risk. Many landlords actually require renters insurance as part of a lease agreement because these polices can help protect both the renter and the property owner.
Finding the best renters policy does not have to be confusing or time-consuming. A local independent agent in the Trusted Choice network can help you choose good coverage and compare prices. Contact one of these member agents for more information about Dallas renters insurance prices and plans.