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Cypress, TX 77429

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Does Renter’s Insurance Pay for Texas Storm Damage

Everything is bigger in Texas, even, it seems, the storms. It’s worth asking what kind of coverage your renter’s insurance extends to you before winter storms hit to ensure you have the protection you need. 

Does Texas Require Renter’s Insurance?

While the state does not require you to carry renter’s insurance, some landlords will require you to obtain liability coverage.

What Does Renter’s Insurance Cover? 

There are three usual types of renters insurance coverage in Texas, including: 

  • Personal property: Coverage for your things. Not just in your home, this also protects your items against theft while you travel or from your vehicle. 
  • Loss of use: Should a covered loss occur, like a fire, this coverage will cover living expenses for a short period while your rented home is inaccessible during repairs. 
  • Personal liability: Should someone be injured in your rented home, this coverage can pay legal fees if you are deemed liable and brought to court. 

What Types of Damage is Covered by Renter’s Insurance?

Usually, you can expect renter’s insurance to cover the following:

  • Smoke
  • Fire
  • Theft
  • Vandalism
  • Water damage, with limits. 

Renter’s insurance typically will not cover flooding damage. 

Important Tips for Renters

  • Create a home inventory to ensure your limits are sufficient.
  • Consider extra coverage for any collectibles or expensive items.
  • Get flood insurance. Flooding is a large and ever-growing threat, and renters can access affordable flood insurance. 
  • If you want the replacement value on lost or damaged items, you’ll want to get a ‘replacement cost’ policy; otherwise, you’ll be getting less than what you paid for some things. 

Ready to make the most of affordable rental coverage in Cypress, TX? Call or stop by InsureUS today. Let us help you find peace of mind. 

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