Renters Insurance in Texas

Your landlord’s policy does not protect everything you own.
Moving in or renewing your lease? Lopez Auto Insurance & Tax helps you compare renters policies for your belongings, liability needs, and budget. Bring your lease requirements; we will help you work through the coverage.

Apartments Rental houses Rented condos

What Is Renters Insurance?

Renters insurance helps protect your belongings and provides liability coverage while you rent your home. Depending on the policy, it can also help with additional living costs after a covered loss.

What Does Renters Insurance Cover?

Personal Property Coverage

Helps repair or replace covered belongings, such as furniture, electronics, clothing, and household items, up to the applicable limits.

Liability Coverage

Can help with covered claims if you are legally responsible for injuring someone or damaging their property.

Additional Living Expenses / Loss of Use

May help pay increased living costs if a covered loss makes your rental temporarily unlivable.

What Renters Insurance May Not Cover

Check exclusions, deductibles, and special limits on valuables. Standard renters policies generally exclude flood damage, and some belongings may need additional protection.

Explore Renters Insurance Coverage

How Much Renters Insurance Do You Need?

Start with what you own and what you could afford to pay after a loss.

Estimating the Value of Your Personal Property

Add up the cost to replace your belongings room by room. Include everyday items as well as larger purchases.

Choosing Coverage Limits

Use that total to discuss your belongings limit. Ask about separate limits for valuables or business equipment.

Understanding Your Deductible

This is your share of an applicable covered claim. Choose an amount you could manage alongside the policy price.

Considering Liability Coverage

Liability needs are separate from the value of your possessions. Review the available limits and covered situations.

How to Choose Renters Insurance

STEP 01

Identify Your Coverage Needs

Start with your belongings, liability needs, and lease requirements.

Coverage, Limits and Deductibles

Check what each quote includes and how it would value damaged or stolen belongings.

Consider Your Rental Situation

Mention roommates, valuables, & business equipment. Ask whose belongings the policy covers.

Work With Insurance Professional

Lopez can help explain available policies and the differences between them.

What Information Do You Need for
a Renters Insurance Quote?

  • Rental property: Address, rental type, desired start date, and lease requirements.
  • Renter: Contact details and requested information about the household.
  • Belongings: Estimated value and items needing special attention.
  • Coverage preferences: Desired limits and deductible, if you know them.

Renters Insurance Claims

What to Do After a Loss

Once it is safe, document damaged or missing items and contact your insurer. Keep photos, receipts, and relevant incident reports.

Understanding Coverage Before Filing a Claim

The insurer reviews the loss against the policy's coverage, limits, exclusions, and applicable deductible.

Renters Insurance vs. Home Insurance

Renters Insurance

For tenants. Focuses on belongings, liability, and other included protection.

Home Insurance

For homeowners. Can cover the dwelling as well as belongings, liability, and other included protection.

Which Type of Insurance Applies to You?

Renting your home? Start with renters insurance. Own and live in the property?

Explore Home Insurance

Get a Renters Insurance Quote

Get Help Finding Renters Insurance

Tell Lopez about your rental, belongings, and lease requirements. We will help you review available coverage and compare the limits and deductible.

Talk With Lopez Auto Insurance & Tax

Start online or speak with our team in English or Spanish.

Frequently Asked Questions About Renters Insurance

1. Do I need renters insurance in Texas?

Your lease may require it even though Texas does not generally require it by law.

2. How much renters insurance do I need?

Estimate the cost to replace your belongings, consider liability separately, and review any lease requirements.

3. How much does renters insurance cost?

The Texas Department of Insurance (TDI) gives an average of about $20 a month. Your actual price depends on your coverage and circumstances.

4. Does renters insurance cover an apartment?

It can protect a tenant's belongings and provide liability coverage. It generally does not insure the apartment building itself.

5. Does my landlord's policy cover my belongings?

Generally, no. The landlord's property policy and your renters policy serve different purposes.

6. What information do I need for a quote?

Start with your address, contact details, belongings estimate, and lease requirements. Additional information depends on the insurer.

7. Can I get renters insurance through Lopez?

Yes. Request a quote , call Lopez, or visit an office to discuss available policies.

Get coverage for the place you
rent and the things you own.