Why You Need Renter’s Insurance

Texas Preferred Insurance

If you are a renter, you don’t have to worry about many of the things that concern homeowners. That doesn’t mean, however, that your living arrangements are entirely carefree. Instead, you must take care to be certain your belongings and visitors are both safe inside your rental unit. If you don’t have rental insurance, a Texas Preferred Insurance agent can likely help you find the right policy for you. Here are some reasons you might consider purchasing renter’s coverage.

Your Lease Requires It

As you know, your rental agreement includes a variety of obligations you must fulfill to comply with the lease. Buried in the fine print may be a requirement that you obtain a rental insurance policy. Often, landlords will require a certificate of insurance before executing the agreement.

Your Things Are Valuable

While your landlord probably has a property insurance policy, it likely doesn’t include damage to your personal belongings. Depending on the policy, rental insurance might cover the following:

  • Personal property damage
  • Personal property loss
  • Injuries to visitors

Instead of leaving your renting experience to chance, you might consider purchasing a renter’s policy to give you peace of mind. When you are ready to buy, a Texas Preferred Insurance agent can probably help you find the perfect policy.