For the place you rent
Renters Insurance in Texas
Moving in or reviewing a renewal? We help Texas renters compare protection for belongings, personal liability and extra living expenses, with your lease requirements in mind.
Already a client? Get help with your policy.
A rented place. A life you have built.
What you are protecting
Three parts of a renters policy to understand
Your landlord's policy does not insure your belongings. Review the coverages, limits, deductibles and exclusions in your own policy.
Your belongings
Personal property coverage may help repair or replace clothing, furniture and electronics after a covered loss, such as theft or fire.
Estimate the cost to replace what you own.
Your personal liability
Liability coverage may respond when you are legally responsible for someone else's injury or property damage, including covered legal defense costs.
Review your lease's requested limit alongside the policy terms.
Extra living expenses
After a covered loss makes your rental unlivable, loss-of-use coverage may help with additional lodging and meal costs, within policy limits.
Check eligible expenses, payment limits and time limits.
Coverage overview: Texas Department of Insurance renters guide.
Look beyond the premium
Compare limits, deductibles and policy terms
Use the same coverage questions when comparing renters insurance quotes. A lower price may come with a different deductible, limit or way of valuing your belongings.
- How belongings are valued
- Replacement cost values covered items at current replacement prices. Actual cash value subtracts depreciation. Payment conditions, deductibles and policy limits still apply.
- Deductibles and amounts over the limit
- Review the applicable deductible and any amount above a coverage limit. Choose with both the premium and a possible claim in mind.
- Valuables and items used for work
- List jewelry, instruments, collectibles and items used for work. Ask about special limits and whether additional protection is available.
- Exclusions and separate coverage
- Review the exclusions and ask whether separate coverage is available for risks that matter to your household.
More detail from TDI: valuing belongings and understanding limits; flood insurance for renters.
Before move-in
Bring the lease. We can start there.
TDI says renters insurance is not required by Texas law, but your landlord may require it in the lease.
Bring your landlord's insurance request, including the liability limit, who needs proof and when coverage should begin. We can review it alongside your options.
Prepare for a quote
A few details make the conversation more useful
Have what you can nearby. You do not need every answer before contacting us.
- Your rental and timingThe address, apartment or house, move-in date and desired start date.
- The lease requestAny insurance wording, requested limit, proof instructions and deadline.
- Your householdWho will live there and any roommate or family-policy questions.
- Your belongingsAn approximate replacement value and details about higher-value items.
- Current insuranceYour present policy, renewal date and any auto coverage you want reviewed together.
- What is changingA move, new roommate, valuable purchase or work done from home.
When your rental changes
Contact the office before the move with both addresses and dates. Ask what can be changed, when it takes effect and whether any overlap needs review. Do not assume protection transfers automatically. Tell us about a new roommate or lease change, too.
Areas we serve: Madisonville & Madison County · Huntsville & Walker County · Navasota & Grimes County · Leon County. See all areas we serve across Texas.
One household, a few related questions
If you also want to review your car insurance, bring the current policy. We can consider the household together without assuming a bundle is the best fit.
Explore personal auto insuranceSee personal insurance optionsCommon questions
Renters insurance questions
How much renters insurance do I need?
Start with what it would cost to replace your belongings, then review personal liability, extra living expenses and any lease requirements. The right limits depend on your situation.
Does renters insurance cover flooding?
Flood damage is generally excluded from renters insurance. Some other water damage may be covered, depending on the cause and policy. Ask about flood coverage separately.
How much will my renters policy cost?
A quote depends on the rental, coverage choices, deductible, claims information and insurer. We can help you compare the available options for your situation; this page does not set a price.
Can you help with proof for my landlord?
Tell us what the landlord requests and when it is needed. The office can review the policy and requested document. A quote request alone does not put insurance in force or confirm that a lease requirement is met.
Huntsville and Walker County
Renters insurance in Huntsville, TX
We help renters across Huntsville and Walker County from our Madisonville office: apartments, rental houses and students settling in near Sam Houston State University. If your Huntsville lease asks for renters insurance, bring it. We will read the limit it names, who needs proof and the deadline, then help you compare available options against the request.
Talk with our team
Let’s talk about your rental.
Talk with our Madisonville team about your lease, belongings and timing. We can help you compare available options and identify what to review next.
Meet the teamAvailability, coverage and price depend on the policy, underwriting and your circumstances. A website request does not bind or change coverage. Rely on written confirmation from our office or the carrier.