Even though the suburbs of the Bayou City seem to go on forever, well over a third of Houston's housing is provided by rental apartment units, and this figure does not include rented houses, condos, and mobile homes. If you rent your home, it is likely that you do not carry any form of renters insurance. In fact, only about 30 percent of this city's tenants carry a Houston, TX renters insurance policy.
Agents in the Trusted Choice® network can help you find a great policy at a rate that meets your budgetary needs. These independent insurance agents can provide you with professional advice and a variety of Houston renters insurance quotes to compare. Contact one of these agents today for more information.
Everyone who rents a home should consider renters insurance. When you rent, you usually bring your personal belongings into the home. Considering the value of everything you own, from clothing to cookware to electronics, the total cost of replacing your possessions can be surprisingly high.
If your property is lost or damaged while in your home, due to something like a fire or a theft, your landlord is not responsible for compensating you for your losses. The Texas Department of Insurance strongly recommends that you consider renters insurance to protect your belongings.
A renters insurance policy can provide you with three types of coverage:
Also be sure to ask your agent about excluded hazards. In Houston, floods are a major concern, but this damage is excluded from renters and homeowners insurance policies. Flood coverage must be purchased through the National Flood Insurance Program. Additionally, in some parts of Harris County, you may also need to purchase additional windstorm insurance.
Most people fail to purchase renters insurance because they wrongly assume that it will cost too much. The truth is, these policies are really quite inexpensive and can provide you with thousands of dollars in protection if you should become the victim of a burglary or suffer severe weather damage.
Most people pay less than $20 a month for their renters insurance policies. That is less than $1 a day, a small price to pay for the peace of mind a policy can bring you. You may even be able to get your policy at a lower rate by taking advantage of policy discounts that are frequently available. You may qualify for discounts for:
If you are considering renters insurance, create a list of everything you keep in your rental unit along with its estimated value, and have it ready when you meet with or speak to an agent in the Trusted Choice network.
Member agents can help you determine how much coverage is suitable for you and can make finding the right policy an easy process. These agents can work with several different insurance providers to get you a variety of Houston renters insurance quotes that you can compare. Get in touch with a local agent today, to learn more about this important and inexpensive insurance coverage.