Houston Apartment Renter Insurance
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• Replacement Coverage – Allows you to receive the full purchase price of lost items
• High Value Item Coverage – Extends protection beyond your basic policy limits
  
  Every day, apartment residents like you are affected by fire, flood, theft, roof leakage, electrical shortage, plumbing accidents and more. If an accident happens to you, even if you're not to blame, there is nothing protecting your belongings unless you have renter's insurance

You might think you don't need Renters Insurance if you rent. 
Add up the cost of your furniture, your electronic equipment, your CD/DVD collection, computer, garments and other personal items. Can you afford to replace everything in the event of a fire or burglary?  
 Renters Insurance is relatively inexpensive. The average cost of renter's insurance begins about  $12 a month for around $30,000 worth of property coverage and $100,000 worth of liability coverage.

 Repair or replacement of your personal property damaged, destroyed or stolen as the result of various types of peril -- fire or lightning, windstorm or hail, explosions, smoke, vandalism, theft, rical surge dama If your Renters insurance will pay for the associated expenses (cost of a temporary residence, meals eaten out, etc.). Coverage is usually limited to a percent of the total value of the policy. Renter's insurance can even cover you for personal possessions that don't happen to be in the apartment at the time of the loss

Many renters are under the impression t their landlord's policy covers their belongings as well. That's not the case, and they often don't find that out until after a policy doesn cover anything that's yours. The only exception to this would be if the loss was caused by negligence on the part of your landlord, and then you would still have to prove it in court. This is where Renters Insurance comes in

Protect yourself with renters insurance

Your landlord’s insurance policy doesn’t cover your belongings. So if fire, theft or weather damages your property, you’ll need the protection of renters insurance.

Renters insurance also protects you if an accident happens at your home. Nationwide renters insurance can pay if you’re liable for damages to others’ property. It can also pay if injuries occur at your residence and help with the cost of legal defense. Even the cost of a small accident adds up quickly.
 

Discounts for affordable renters insurance

Nationwide offers a variety of ways to save even more on your renters insurance. We offer discounts for:

• Monitored fire and burglar alarms
• Local ultrasonic burglar alarms
• Dead bolt locks on all exterior entryways

Fire extinguishers

Sprinkler systems

Renters insurance combined with auto insurance or other Nationwide policies

Liability

Personal liability is usually a standard feature in a renters insurance policy. Unintentional bodily injury or property damage due to accidental occurrences are generally covered. So if your neighbor drops in and slips on a wet floor, personal liability prevents you from paying damages out of pocket. It also protects you from liability for damage to other people's property. The type of liabilities that are covered will vary by policy.

Additional Coverages

Listed below are examples of additional coverages featured in a basic renters insurance policy, though some of these coverages may not be available with certain tenant policies. Enter your zip code above to start comparing coverages and determine which policy is right for you.

Actual Cash Value (ACV)

ACV only covers the value of your items at the time they were damaged. In other words, wear and tear depreciates the amount paid to you, and the total amount paid is also based on your deductible and coverage limits.

Replacement Cost Coverage

Replacement Cost Coverage reimburses you for the replacement cost, but often produces a higher premium. Obviously your deductible and coverage limitscovered in case of accidental injury while on your property, regardless of who is at fault.

Personal Property Protection
 

Provides protection against loss to items such as a stereo, bicycle, jewelry, cameras, furniture and clothing. Certain renters policies will have personal property categories to include the above items in your coverage.
 

Cost to You

Despite common misconceptions regarding insurance policy premiums, a basic renters insurance policy will cost you less than 50¢ per day, and as low as $15 per month. According to the Independent Insurance Agents & Brokers of America, nearly two-thirds of all tenants in the United States do not have renters insurance, despite coverage limits in a typical policy running up to $40,000 for personal property and between $100,000 and $300,000 in liability coverage.

So what are you waiting for? Enter your address above and let Get Renters Ins Co help you protect your personal property.

Travelers Renters Policy Protects:

• Furniture
• Clothing
• Appliances
• Personal Belongings, no matter where they are used
• Personal Liability, that protects you against a claim or lawsuit if someone is injured or their property is damaged while in your apartment

unmatched Selection of Coverage Options:

• Contents Replacement. Provides full replacement cost for personal belongings with no deduction for depreciation.
• Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
• Valuable Items Plus Endorsement. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
• Personal Articles Floater. Provides even more comprehensive coverage than the Valuables Items Plus endorsement. It is the right coverage for people who wish to protect items that have been carefully selected and whose values exceed the limits of either the Renters policy or the Valuable Items Plus endorsement.
• Umbrella Policy. Offers an addi
  The first time most people think about insurance is with their first car or home. Usually this is because the law or bank requires us to do so. Although renter's insurance is usually not required, it is just as necessary to have. Not only will renter's insurance protect your personal items, it will also give you help with temporary housing and liability protection such as medical expenses for people on your property or a lawyer if you are sued by someone unintentionally injured by you. Once you determine your need for renter's insurance, knowing your options will help you choose the best policy.

  If the ceiling in your rented property is damaged by wind or hail in a storm, of course the ceiling is covered by your landlord. But what about your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renter's insurance policy. Along with personal property coverage and living expenses, your renter's insurance policy will also cover your liability or damage you cause to others or their property. For example, your girlfriend comes over to visit and she slips on the ice outside your door. The same walkway that is your responsibly to keep clear! Your girlfriend needs medical attention and decides to sue you! Renter's insurance can't help with your broken heart, but it will help you pay for your ex-girlfriend's medical expenses and a lawyer.