Houston & Galveston TX Renters Insurance

HIG: Where Service & Trust Come First

As a renter, you might be tempted to spurn insurance coverage. After all, the landlord is responsible for coverage, right?

Not exactly. Your unit is still your responsibility. If someone files a liability claim against you, or breaks into the unit and snags your 60" TV, you'll be left footing the bill — unless you have renters insurance.

Getting quality coverage doesn't have to be difficult — or expensive. As an independent agency, HIG - Henrich Insurance Group has multiple renters insurance policies to choose from, some of which cost less than a few Starbucks lattes each month. Call us at (713) 349-0400 or request an online quote to get started.

Renters Insurance Benefits

Here are some more benefits of renters insurance.

With Renters Insurance, You Will Be Able To Replace What Is Damaged Or Stolen.

Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.

However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.

If You Are Forced Out Of Your Home Because Of A Disaster, Your Additional Living Expenses Will Be Covered.

Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.

Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.

Decide How Much Insurance You Need.

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.