{"id":1445,"date":"2021-12-13T04:00:00","date_gmt":"2021-12-13T10:00:00","guid":{"rendered":"https:\/\/www.insure-us.org\/blog\/?p=1445"},"modified":"2021-12-01T14:48:55","modified_gmt":"2021-12-01T20:48:55","slug":"does-renters-insurance-pay-for-texas-storm-damage","status":"publish","type":"post","link":"https:\/\/www.insure-us.org\/blog\/does-renters-insurance-pay-for-texas-storm-damage\/","title":{"rendered":"Does Renter&#8217;s Insurance Pay for Texas Storm Damage"},"content":{"rendered":"<p>Everything is bigger in Texas, even, it seems, the storms. It&rsquo;s worth asking what kind of coverage your renter&rsquo;s insurance extends to you before winter storms hit to ensure you have the protection you need.&nbsp;<\/p>\n<h2>Does Texas Require Renter&rsquo;s Insurance?<\/h2>\n<p>While the state does not require you to carry renter&rsquo;s insurance, some landlords will require you to obtain liability coverage.<\/p>\n<h2>What Does Renter&rsquo;s Insurance Cover?&nbsp;<\/h2>\n<p>There are three usual types of renters insurance coverage in Texas, including:&nbsp;<\/p>\n<ul>\n<li>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.&nbsp;<\/li>\n<li>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.&nbsp;<\/li>\n<li>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.&nbsp;<\/li>\n<\/ul>\n<h2>What Types of Damage is Covered by Renter&rsquo;s Insurance?<\/h2>\n<p>Usually, you can expect renter&rsquo;s insurance to cover the following:<\/p>\n<ul>\n<li>Smoke<\/li>\n<li>Fire<\/li>\n<li>Theft<\/li>\n<li>Vandalism<\/li>\n<li>Water damage, with limits.&nbsp;<\/li>\n<\/ul>\n<p>Renter&#8217;s insurance typically will not cover flooding damage.&nbsp;<\/p>\n<h2>Important Tips for Renters<\/h2>\n<ul>\n<li>Create a home inventory to ensure your limits are sufficient.<\/li>\n<li>Consider extra coverage for any collectibles or expensive items.<\/li>\n<li>Get flood insurance. Flooding is a large and ever-growing threat, and renters can access affordable flood insurance.&nbsp;<\/li>\n<li>If you want the replacement value on lost or damaged items, you&rsquo;ll want to get a &lsquo;replacement cost&rsquo; policy; otherwise, you&rsquo;ll be getting less than what you paid for some things.&nbsp;<\/li>\n<\/ul>\n<p>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.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Everything is bigger in Texas, even, it seems, the storms. It&rsquo;s worth asking what kind of coverage your renter&rsquo;s insurance extends to you before winter storms hit to ensure you have the protection you need.&nbsp; Does Texas Require Renter&rsquo;s Insurance? While the state does not require you to carry renter&rsquo;s insurance, some landlords will require [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[35,26],"class_list":["post-1445","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-cypress-tx","tag-insureus"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/posts\/1445","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/comments?post=1445"}],"version-history":[{"count":1,"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/posts\/1445\/revisions"}],"predecessor-version":[{"id":1446,"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/posts\/1445\/revisions\/1446"}],"wp:attachment":[{"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/media?parent=1445"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/categories?post=1445"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insure-us.org\/blog\/wp-json\/wp\/v2\/tags?post=1445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}