What is Renters Insurance?

Renters insurance is an insurance policy that provides protection for personal property, liability coverage, and additional living expenses due to loss of use.

Renters Insurance

Renters insurance covers damage to your personal property and liability or legal responsibility for any injuries and property damage caused by you or members of your household to others. This includes damage caused by household pets.

What will the policy cover? Most renter’s insurance policies will include coverage for losses arising from:

A. Fire or Lightning
B. Windstorm or Hail
C. Smoke
D. Vandalism or Malicious Mischief
E. Theft
F. Accidental Discharge of Water
G. Explosion
H. Freezing

Damage caused by most disasters are covered but there are exclusions. General exclusions are damage caused by floods and earthquakes; however, earthquake coverage is offered by Houston General Insurance by asking your independent agent to add this optional coverage to your policy.


Renters insurance is significantly less expensive than a homeowner's policy because it protects what the owner of the dwelling does not. This includes your personal possessions and liability claims brought against you due to unintentional negligence. It also provides additional living expense for a covered loss in the event your unit becomes uninhabitable and coverage for personal property that maybe located in a self-storage facility.

It is normal for most property owners to require you to carry renters insurance and provide them with evidence of insurance. Also, they may require to be listed as an additional interest on your policy, this will provide notification only to the property owner if the policy cancels, no other information about your policy will be shared with the owner.

Looking for more detail? Just click locate an agent and they will be happy to provide you with more information and a quote.

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