Apartment Break-Ins on the Rise? How Renters Insurance Keeps You Covered in Houston

Living in a city with millions of residents, such as Houston, Texas, could mean more opportunities for theft and more reasons to think about how to handle the unexpected. Renters insurance can help reduce the financial impact if someone breaks in and steals or damages your belongings.

Why Is Renters Insurance Important?

Landlords typically have their own insurance, but it doesn’t cover your belongings. Renters insurance can cover your personal property and offer additional financial support in certain situations. Without this type of policy, costs related to replacing stolen items, repairing damage to your personal property or covering temporary living costs if your apartment becomes unlivable would have to be paid out of pocket.

What Does Renters Insurance Cover?

Renters insurance policies often include the following financial protections:

• Personal property coverage may cover the cost of damaged or stolen belongings, such as clothes, small appliances, electronics and furniture.
• Liability coverage may compensate third parties if they get hurt in your apartment or if you accidentally damage their property.
• Medical payments coverage may pay for minor medical treatments if a guest is injured on your property, regardless of fault.
• Loss-of-use coverage may cover restaurant meals, hotel stays and other additional living expenses if you must temporarily leave your apartment due to covered events.

How Much Is Renters Insurance in Houston?

Renters insurance rates in Houston depend on factors such as your neighborhood, the value of your belongings and the deductible you choose. Generally, the cost of renters insurance is affordable compared to the out-of-pocket financial losses you may face in case of an uncovered incident.

Speak With an Agent

If you’re looking for renters coverage, contact The Total Insurance today. Our agents understand renters’ needs in Houston, Texas, and are well-equipped to answer any questions you may have.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.