Renters Insurance
Renters Insurance in Texas & Michigan — Protect Your Belongings
Affordable coverage for personal property and liability — often starting around $15/month.
Personal property
Helps replace clothes, electronics, furniture, and more after a covered loss.
Liability
Helps if a guest is injured in your rental or you accidentally damage others' property.
Additional living expenses
May help with temporary housing if your rental becomes uninhabitable after a covered loss.
Frequently Asked Questions
Renters insurance covers three main things: your personal property (furniture, electronics, clothing) if damaged or stolen, personal liability if someone is injured in your apartment, and additional living expenses if your unit becomes uninhabitable due to a covered loss. It does not cover the building itself — that's your landlord's responsibility.
Renters insurance is one of the most affordable types of coverage — typically $15–$30 per month depending on your location, coverage amount, and deductible. Bundling with your auto insurance often brings the price down further.
Your landlord's policy covers the building structure only. It does not cover your personal belongings, your liability, or your living expenses if you're displaced. If there's a fire and your laptop, furniture, and clothing are destroyed, your landlord's insurance pays nothing toward replacing them. Renters insurance fills that gap.
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