Personal Property Coverage
Helps repair or replace covered belongings, such as furniture, electronics, clothing, and household items, up to the applicable limits.
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.
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.
Helps repair or replace covered belongings, such as furniture, electronics, clothing, and household items, up to the applicable limits.
Can help with covered claims if you are legally responsible for injuring someone or damaging their property.
May help pay increased living costs if a covered loss makes your rental temporarily unlivable.
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 CoverageStart with what you own and what you could afford to pay after a loss.
Add up the cost to replace your belongings room by room. Include everyday items as well as larger purchases.
Use that total to discuss your belongings limit. Ask about separate limits for valuables or business equipment.
This is your share of an applicable covered claim. Choose an amount you could manage alongside the policy price.
Liability needs are separate from the value of your possessions. Review the available limits and covered situations.
Start with your belongings, liability needs, and lease requirements.
Check what each quote includes and how it would value damaged or stolen belongings.
Mention roommates, valuables, & business equipment. Ask whose belongings the policy covers.
Lopez can help explain available policies and the differences between them.
Once it is safe, document damaged or missing items and contact your insurer. Keep photos, receipts, and relevant incident reports.
The insurer reviews the loss against the policy's coverage, limits, exclusions, and applicable deductible.
For tenants. Focuses on belongings, liability, and other included protection.
For homeowners. Can cover the dwelling as well as belongings, liability, and other included protection.
Renting your home? Start with renters insurance. Own and live in the property?
Tell Lopez about your rental, belongings, and lease requirements. We will help you review available coverage and compare the limits and deductible.
Start online or speak with our team in English or Spanish.
Your lease may require it even though Texas does not generally require it by law.
Estimate the cost to replace your belongings, consider liability separately, and review any lease requirements.
The Texas Department of Insurance (TDI) gives an average of about $20 a month. Your actual price depends on your coverage and circumstances.
It can protect a tenant's belongings and provide liability coverage. It generally does not insure the apartment building itself.
Generally, no. The landlord's property policy and your renters policy serve different purposes.
Start with your address, contact details, belongings estimate, and lease requirements. Additional information depends on the insurer.
Yes. Request a quote , call Lopez, or visit an office to discuss available policies.