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Texas Renters Insurance
When you rent an apartment or house, your landlord is not responsible for your personal belongings if they’re stolen or damaged. Renters insurance protects your personal belongings and also protects you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home. Let Lifetime Insurance develop a renter’s insurance plan to protect you, your property, and your guests.
Texas Renters Insurance Coverage
Covered items on your renters policy include furniture, clothes, electronics, and more. Your possessions are covered even if they’re in your car, storage unit, or anywhere else away from home (like on vacation).
If someone gets hurt in your apartment, you could be held responsible. Renters insurance offers liability coverage to protect you.
Medical payments coverage pays for medical bills if someone else is hurt at your residence.
Loss of Use
If your apartment is damaged due to a covered loss on your policy and you can’t stay there, loss of use coverage pays for hotel/rent and food expenses above what you’d usually pay.
Save on Renters Insurance
There are multiple ways to save on Renters Insurance premiums. Find out which insurance discounts you qualify for and start your quote today.
Renters Insurance Discounts
Bundle and Save
You can save on renters insurance when you have both a car and renters insurance policy with the same carrier.
Multiple Policy Discounts
Save even more when you add multiple policies with the same carrier as Auto, Motorcycle, or Boat insurance.
Pay In Full
Receive a discount for your renters insurance by paying your entire policy premium in full when you buy or renew your policy.
Renters Insurance FAQs
What is renters insurance?
Renters insurance protects your belongings from damage and theft. It can also protect you in certain types of liability cases, like if you’re held legally responsible for injuries to another person while they’re visiting your apartment or the house you rent.
Does renters insurance pay my rent if I can't on some months?
While renters insurance does not pay your rent, it may cover expenses related to temporary housing if you can’t live in your building while it’s being rebuilt or repaired after being damaged.
Is my landlord responsible for insuring my apartment?
Your landlord is not responsible for providing insurance on your personal belongings. However, your landlord is responsible for insuring the building.
How much does renters insurance cost?
Less than you might think. A few dollars a month can provide enough coverage to protect your personal belongings from theft or fire.
How much renters coverage do I need?
How much personal property do you have?:
Taking an inventory can help you determine the combined worth of all your personal belongings. For example, if your belongings total $20,000 in value, then you need at least that much in personal property coverage.
What is your net worth?:
If you’re liable for someone else’s injuries or property damage, you need enough liability coverage to cover what you have to lose. For instance, if your assets add up to $100,000, you need at least that much in liability coverage.
Select A Coverage
With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.
Get A Quote
We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.
Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!
I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.
P.B. | McKinney TX
Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.
B.D. | Garland TX
Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...
M.H. | Rockwall TX
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