Your landlord's insurance doesn't cover your belongings. Here's what Texas renters insurance actually protects.

What Renters Insurance Covers

Personal Property Protection
This is the core of renters insurance. It covers your belongings—furniture, clothing, electronics, kitchen items, and more—against covered perils such as fire, theft, windstorm, and water damage from burst pipes. Coverage is typically available on either an actual cash value or replacement cost basis. Replacement cost coverage is generally worth the small premium difference.

Liability Coverage
If a guest is injured in your rental unit, or if you accidentally cause damage to a neighbor's property (for example, a bathtub overflow that damages the unit below), renters liability coverage protects you from lawsuits and medical expenses. Most policies include $100,000 in liability coverage as a baseline.

Additional Living Expenses (ALE)
If your rental becomes uninhabitable due to a covered event, ALE pays for temporary housing, meals, and related costs while repairs are made.

Medical Payments to Others
Pays minor medical bills for someone injured on your property, regardless of fault—a goodwill coverage that can prevent small incidents from escalating into lawsuits.

What Renters Insurance Does Not Cover

• Flooding: Standard renters policies do not cover flood damage. Separate flood insurance is available through the NFIP or private carriers.
• Earthquake: Excluded from standard policies; a separate endorsement or policy is needed.
• Pest damage: Mold, rodents, and insects are typically not covered.
• High-value jewelry and electronics: Items above a certain value (typically $1,000–$2,500) may require a separate scheduled endorsement to be fully covered.
• Your roommate's belongings: Unless they are listed on the policy, their property is not covered.

How Much Does Renters Insurance Cost in Texas?

Renters insurance is one of the most affordable types of coverage. A typical Texas renters policy costs between $15–$30 per month depending on coverage limits, your ZIP code, and your deductible. That's less than most streaming subscriptions.

If you have auto insurance, bundling renters insurance with the same carrier often results in a multi-policy discount that partially or fully offsets the cost.

Do I Really Need It?

If you own more than $5,000 in personal property—a laptop, a television, a few pieces of furniture, your wardrobe—you almost certainly own enough belongings that a theft, fire, or major water event would represent a real financial loss. The question isn't whether you can afford renters insurance. It's whether you can afford not to have it.

TAP Insurance Texas helps renters across DFW and the rest of Texas find affordable coverage that actually fits. Call (800) 666-2254 or get started at tapinsuretx.com.

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