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 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
D. Vandalism or Malicious Mischief
F. Accidental Discharge of Water
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.
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