Renters Insurance in Texas

Renters face just as many struggles as homeowners. Renters have to deal with A/C issues, problems with their landlord, leaky pipes, and much more. If renters' insurance has never crossed your mind, now is the time to consider it.

Renters' insurance was designed to protect you and your belongings if something happens. Without renters' insurance, damage can cost you a lot. We offer renters' insurance here at Gilchrist Insurance Group in Hudson Oaks, TX. We would love the opportunity to help you out, too.

Renters Insurance Requirements

If you are a renter and live in Texas, you should know that it isn't mandatory to purchase renters' insurance. Yet, it is highly recommended.

Renters Insurance Coverage

Renters' insurance can cover all the following things if they become stolen, destroyed, or damaged:

• Personal property - All personal items inside your rental unit will be covered if damaged or destroyed. These items include beds, shoes, clothing, smart devices, sofas, tables, chairs, and more.
• Liability - If you cause injury to another person's or someone else's property, liability insurance will protect you. For example, if you host a party and one of your guests falls and injures themselves, you'll be covered.
• Additional living expenses - If your rental unit needs some repairs and you're unable to live there temporarily, this will cover your living expenses, including hotel stays, food, and other related costs.

The following are all things that renters' insurance does not cover:

• Pests
• Riots
• Earthquakes

If your rental sustains water damage, depending on the cause, your rental insurance policy may even cover it. For example, if a pipe bursts, your coverage may take care of the damage it causes.

Quotes from Gilchrist Insurance Group

If you're ready to take the plunge and get added security for your rental unit, call Gilchrist Insurance Group today. Our office is located in Hudson Oaks, TX.