Renters insurance · Texas
Renters insurance for your things and your liability
Your landlord’s policy covers the building, not your belongings. Renters insurance protects what you own and your personal liability.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a renters policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Personal property
Repair or replacement of your belongings, up to your policy limit.
Loss of use
Extra costs such as rent and meals if a covered loss forces you out.
Personal liability
Claims or lawsuits if someone is injured at your residence.
Theft away from home
Many policies cover belongings stolen from your car or while traveling.
Replacement cost contents
An option that pays to replace items new rather than their depreciated value.
Scheduled valuables
Higher limits for jewelry, watches, computers and similar items.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Apartment and rental-home residents across Texas
- Renters whose lease requires a minimum liability limit
- Anyone with high-value jewelry, watches or electronics
- Drivers who want to bundle renters with auto
Good to know
- Renters policies don’t cover flood. A separate flood policy is needed for rising-water damage.
- Watch the sub-limits on jewelry, watches and computers. Scheduling them separately can raise those limits.
- Without replacement cost on contents, claims are typically paid at depreciated value.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Does my landlord’s insurance cover my belongings?
No. A landlord’s policy covers the building and the landlord’s liability. Your belongings and liability need your own renters policy.
Can I bundle renters with auto?
Many carriers offer multi-policy pricing. We’ll compare bundled and separate options for you.
Does renters insurance cover flood?
No. Flood requires a separate policy, which renters can buy for their contents.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Related coverage
Often reviewed together
Ready to review your renters coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.