Renters Insurance Humble, TX

Are you covered with a reliable renters insurance policy? 

Many wonderful areas throughout Humble are great for renting a home, but regardless of where you choose to rent, you want to ensure that you have as much financial protection in place as possible.

Communal rental properties, for example, are notoriously risky. For instance, if you live in an apartment building, you share the building with several other individuals, increasing the chances of theft, fires, and other potential causes of loss.

Considering how valuable your possessions are and the increased risks rental properties expose them to, renters insurance can be a lifesaver. With the right renters insurance policy, you can provide your belongings with the level of protection they need.

Renters Insurance Explained

Renters Insurance Humble, TX

While your landlord has property insurance, this only covers the building itself. Renters insurance is a type of property insurance that covers losses to personal belongings like:

  •       Clothing
  •       Furniture
  •       Electronics, etc.

On top of that, it can protect you from liability claims and compensate you for the living expenses you incur if you have to move temporarily after a disaster.

A standard policy will offer you four types of coverage, which are:

  •       Personal Property: Covers your personal belongings
  •       Liability: Pays out if someone injures themselves while in your rental property
  •       Medical Payments: Covers medical costs
  •       Loss of Use: Pays for your expenses if you must live elsewhere while your home undergoes repairs

Renters insurance is not that different from homeowners insurance or any other type of insurance. If damage or loss occurs, simply file a claim with your insurance company, providing as much evidence to support your claim.

The insurance company will review your claim and, if they approve it, will reimburse you for the loss or damage minus your deductible.

What Does Renters Insurance Cover?

While the level of coverage will vary depending on your policy, renters insurance generally covers the following components:

Personal Belongings

This coverage handles the contents of your home, protecting them from perils such as:

  •       Theft
  •       Vandalism
  •       Fires
  •       Electrical Damages
  •       Plumbing Malfunctions

Other policies may also cover losses to your personal property in the event of damage from riots, explosions, and hail, among others.

We should mention that most policies do not cover personal items that exceed a certain dollar amount. Such items include collectibles, jewelry, and artwork. However, you can appraise these items and add additional coverage to your policy to reimburse you if these valuables incur damage.

Additional Living Expenses

If your home becomes uninhabitable because of one of the perils your policy covers, your insurance will financially support your temporary housing. Some of the expenses your insurance will cover include hotel bills, temporary rentals, and other related costs.


This coverage protects you in the event someone sues you for an injury or other damages they incurred while at your home. It can also pay for legal expenses, court judgments, and damages you may cause to others up to the policy limit.

Additional Coverage Options

In addition to the standard types of coverage, you can pay extra to customize your policy and benefit from more coverage. The following are some of the additional options you can get.

Pet Damage Liability

If you have a pet that can be destructive by leaving claw marks on personal belongings or damaging other items, you can opt for pet damage liability. This coverage can help you with repair costs, allowing you to avoid sacrificing your security deposit.

Replacement Cost Coverage

While standard policies reimburse you based on your item’s actual cash value, replacement cost coverage allows you to get enough money to replace lost or damaged items with new ones.

Water Backup Coverage

You could add extra coverage that will reimburse you when a toilet, sink, or drain backs up and damages your apartment.

What Renters Insurance Doesn’t Cover

There are some instances that renters insurance will not cover, including floods, earthquakes, or damage/losses resulting from intentional acts or negligence.

Additionally, most policies will not cover your roommate’s belongings, so it’s best if each of you have your own policy.

Selecting the Right Amount of Coverage

Selecting the right insurance company as well as the right amount of coverage will ensure that you get a policy that provides you with peace of mind and maximum protection. 

While price is essential, it should not be the only factor you analyze. You’ll need to ensure that your chosen policy will adequately reimburse you for lost possessions and provide you with enough additional living expenses and renters liability insurance coverage.

It is crucial that you dive into the details of each policy. For example, are you permitted to adjust your coverage limits, add additional coverage, or raise/lower your deductibles?

When it comes to price, you might want to consider bundling, a practice that helps you qualify for certain discounts. Bundling is the act of buying multiple policies from one insurance provider. For instance, you could bundle your renters insurance with your auto and life insurance, depending on what the insurance company offers.

Besides looking at the policy, it is also imperative that you analyze the insurance company itself. Always pick a company with a good reputation for its customer service.

Work with an Insurance Agency You Can Trust

The key to selecting the right level of coverage is working with independent agents you can trust.

At Lee Insurance Agency, we understand how vital the right policy can be and always tailor packages to fit your needs.

We partner with several insurance corporations and can compare different policies to find one that works best for you. Our friendly and trustworthy team of professionals can guide you on everything from covered losses to renters insurance quotes.

Get in touch with our team today at (281) 812-8400 to learn more about renters insurance in Humble, TX.