Renters Insurance in Texas From $23/Month, Issued Instantly Online
You may not own the home you live in, but you still have plenty worth protecting. Renters insurance helps protect your belongings, personal liability and more while you rent a home or apartment.
Best of all, renters insurance starts at just $23 a month, and you can apply online and get your policy issued instantly for most applicants, usually in under five minutes.
- Apply online in minutes
- Policy issued instantly for most applicants
- Proof of coverage for your landlord
- Belongings, liability and living expenses
From $23/mo
Affordable coverage for Texas renters
Issued Instantly
For most applicants who apply online
Under 5 Minutes
From application to policy
Local Support
Questions? Call our Lavon office
How to Get Renters Insurance Online in Minutes
Moving in soon, or does your landlord need proof of insurance today? Fortunately, you can apply and get covered online without waiting for a callback.
Start Your Application
First, click Get Covered Online to open our secure renters insurance enrollment page.
Choose Your Coverage
Next, enter your rental address and pick your personal property limit, liability limit and deductible.
Get Your Policy
Then pay online. For most applicants, the policy is issued instantly, so you can send proof of coverage to your landlord right away.
Protect the Things You Own While You Rent
Renters insurance is designed for people who rent a house, apartment, condo or other residential property. While your landlord’s insurance generally protects the building itself, it typically doesn’t protect your personal belongings or provide personal liability coverage for you.
Instead, a renters insurance policy helps protect your belongings, liability and certain additional expenses after a covered loss. Coverage, of course, varies by policy, insurance company, limits and exclusions.
What Does Renters Insurance Cover?
Renters insurance commonly includes several types of protection. However, your actual coverage depends on the policy you select.
Personal Property
Helps protect your belongings against covered losses, including furniture, clothing, electronics, appliances and other personal possessions.
Personal Liability
Can help protect you if you’re legally responsible for covered bodily injury or property damage to another person.
Additional Living Expenses
If your rental becomes unlivable because of a covered loss, coverage may help with certain extra living costs while repairs are made.
Medical Payments
Similarly, some policies cover certain medical expenses when a guest is injured, subject to policy terms and limits.
Belongings Away From Home
Depending on the policy, coverage may extend to qualifying belongings while they’re temporarily away from your residence.
Optional Coverage
Finally, valuable items or special risks may need higher limits, endorsements or separate coverage.
Landlord Insurance vs. Renters Insurance
Your landlord’s insurance and your renters insurance serve different purposes. As a result, understanding the difference helps you spot gaps in your own protection.
| Coverage | Landlord’s Policy | Your Renters Policy |
|---|---|---|
| Building structure | Generally protects the landlord’s building and property interests. | Generally doesn’t insure the landlord’s building. |
| Your furniture & belongings | Generally not covered by the landlord’s policy. | Personal property coverage may protect qualifying belongings against covered losses. |
| Your personal liability | Designed around the landlord’s liability exposure. | Personal liability coverage may protect you against certain covered claims. |
| Temporary living expenses | Applies to the landlord’s policy and circumstances. | Additional living expense coverage may help after certain covered losses. |
Why Renters Insurance Is Worth $23 a Month
Many renters underestimate the value of everything they own. In fact, replacing furniture, clothing and electronics after a major loss can add up quickly.
Your Belongings Add Up
Even a modest apartment can hold thousands of dollars in furniture, electronics, clothing and personal possessions.
Liability Protection
Accidents happen in rentals, too. Therefore, personal liability coverage may help with certain covered claims and legal expenses.
Your Lease May Require It
Many landlords and property managers require renters insurance, and instant issuance means you can meet that requirement the same day.
What May Not Be Covered by Renters Insurance?
Renters insurance doesn’t cover every type of loss. Common exclusions and limitations include:
- Flood damage: standard renters policies generally don’t cover flood damage.
- Earthquake damage: earthquake coverage is generally excluded.
- Normal wear and tear: insurance is designed for sudden or accidental losses, not normal aging.
- High-value belongings: jewelry, collectibles and artwork may have special limits.
- Business property: business equipment may have limited coverage under a personal policy.
- Intentional acts: intentional damage and other excluded causes of loss aren’t covered.
How Much Renters Insurance Do You Need?
The right amount depends on the value of your belongings, your liability exposure and your lease requirements.
Take an Inventory
First, make a list or video inventory of your furniture, electronics, clothing and other important possessions.
Review Liability Limits
Next, consider your liability exposure and any limits your landlord or property manager requires.
Review Valuable Items
Finally, if you own expensive jewelry, collectibles or electronics, ask whether additional coverage makes sense.
Renters Insurance Risks in Texas
Texas renters face a variety of weather and property risks. That’s why it’s important to understand your policy’s covered causes of loss, exclusions, limits and deductibles before you choose.
Severe weather
Wind, hail and other weather events can create property losses.
Fire and smoke
Fire and smoke can damage your belongings and force you out of the rental.
Theft
Personal property coverage may protect qualifying stolen belongings after a covered loss.
Water damage
Coverage depends on the source of the water; flood damage is generally excluded.
Liability
Renters still have personal liability exposure even though they don’t own the building.
Who Should Consider Renters Insurance?
Renters insurance makes sense for most people who lease residential property.
Apartment Renters
Protect your belongings and add personal liability coverage while renting an apartment.
House Renters
Likewise, renting a single-family home doesn’t eliminate the need to protect your belongings and liability.
College Students & Young Adults
Renters insurance can protect belongings for people living away from a family home, depending on the policy.
If you’re the landlord, your tenants’ renters insurance won’t protect your building. Instead, ask about a dwelling (landlord) policy. And when you’re ready to buy, see our homeowners insurance options.
Renters Insurance for North Texas & Beyond
Lavon Insurance is an independent insurance agency serving renters across Texas, with a strong local focus on Lavon and surrounding North Texas communities. Apply online in minutes, or call us if you’d like help choosing coverage.
Renters Insurance FAQs
How much does renters insurance cost in Texas?
Renters insurance through our online enrollment starts at $23 per month. Your actual price depends on your coverage limits, deductible, location and the property.
Can I get renters insurance instantly?
Yes. You can apply online in about five minutes, and for most applicants the policy is issued instantly. As a result, you can send proof of coverage to your landlord the same day.
What is renters insurance?
Renters insurance is a personal insurance policy for people who rent a home or apartment. Depending on the policy, it can provide personal property, personal liability, medical payments and additional living expense coverage.
Does my landlord’s insurance cover my belongings?
Generally, no. A landlord’s property insurance protects the building and the landlord’s interests rather than a tenant’s belongings. Instead, renters insurance can cover qualifying personal property.
Is renters insurance required in Texas?
Texas law doesn’t generally require renters insurance. However, a landlord or property management company may require it as a condition of the lease.
Does renters insurance cover theft?
Many renters policies cover theft of personal property when it’s a covered cause of loss. Of course, policy terms, limits and exclusions apply.
Does renters insurance cover fire?
Fire is commonly a covered cause of loss under renters insurance, subject to the policy’s terms, limits, exclusions and deductible.
Does renters insurance cover flood damage?
Standard renters insurance generally doesn’t cover flood damage. Instead, separate flood insurance may be available depending on your location.
Does renters insurance cover my belongings outside my apartment?
Some renters policies cover qualifying personal property while it’s temporarily away from home. The exact coverage and limits, however, depend on the policy.
Does renters insurance include liability coverage?
Many renters policies include personal liability coverage. In addition, it can help with certain covered bodily injury or property damage claims for which you’re legally responsible.
Can Lavon Insurance help me compare renters insurance?
Yes. You can apply online for instant coverage, or, if you’d rather talk it through, call us and we’ll help you choose limits and compare available options.
Renters Insurance From $23/Month, Issued Instantly
Protect your belongings, liability and living expenses in minutes. Apply online now, and for most applicants your policy is issued instantly.
Renters insurance starts at $23/month; actual premiums vary by location, coverage, deductible and eligibility. Instant issuance applies to most, not all, applicants. Coverage, limits and exclusions vary by insurance company and policy. Texas License No. 3318921 · NPN 21550532.