Renters Insurance for All of Texas

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Why Do I Need Renters Insurance?

So often, life comes at us all unexpectedly. For apartment dwellers or those living in other rental properties, this can be especially true. As a renter, you’ve come to understand that there’s no controlling nor predicting your neighbors. You have even less influence over the weather—which is to say none. And although you can take precautions, mishaps, misadventures, and miscues still happen to the best of us. Sometimes even the most stringent preventative measures won’t prevent you from falling prey to thieves or vandals.

That’s why carrying renters insurance is so important. Your property’s landlord probably holds some level of tenant dwelling insurance. However, in regard to reimbursing actual tenants for losses, such insurance is, at best, bare-bones. It reimburses the renter for almost nothing—if that.

renters insurance, landlord insurance

Your Assets Are Probably Worth More Than You Think

Because you’re not a homeowner, you might believe you don’t require renters coverage. You might think you don’t have ample assets to warrant buying a renters policy. Don’t bet on it.

The average tenant owns more than $35,000 in personal possessions. Yes—$35,000. On average. Most of these possessions are kept in the living unit. As a renter then, the question you need to ask is this: If a disaster or accident destroyed all my possessions, do I have liquid cash to replace $35,000 in possessions? What about $20,000 or $25,000? What about $50,000 or more? If your answer is “no,” it’s time to buy a renters insurance policy!

What Does Renters Insurance Cover?

A solid renters insurance policy will protect all your valuables. With proper renters coverage, you’ll be reimbursed for losses incurred from an unexpected disaster. Those funds make it easier to recover and get back to life-as-normal.

A renters insurance policy protects you and your family from fires, wind and hailstorms, lightning strikes, theft, and other unforeseen events, including aircraft and motor-vehicle accidents—even riots.

Are There Any Renters Insurance Exclusions?

Like other insurance policy types, renters insurance also excludes coverage for specific types of events:

  • Floods
  • Earthquakes and mudslides
  • Settling
  • Natural deterioration and neglect
  • Natural deterioration and neglect
  • Damage from birds, rodents, insects, and domesticated animals

Multi-Policy Renters Insurance Discounts

If you purchase renters coverage through a Walzel carrier, you may be eligible for discounts if you already carry other policies with us. Ask us about multi-policy discounts for bundling renters insurance with other Walzel Insurance coverages!

For a Free Renters Insurance Quote, Contact Walzel Insurance Agency Inc.

If you’re looking for renters insurance from an independent Texas insurance agency you can trust, you’ve come to the right place! At Walzel, we partner with numerous insurance providers, allowing us to be a one-stop shopping source for insurance coverage! Tired of shopping around for insurance? Let us do it for you!

At Walzel, we’re dedicated to empowering clients to make educated coverage choices, and we are here to answer your every insurance-related question. For a free online renters insurance quote, click here, or call Walzel Insurance Agency today at 281-422-2027!