What is Renters' Insurance?
The basic renters’ policy provides both liability coverage and personal property coverage.
Personal Property Coverage will cover the tenant’s personal property against named perils such as fire, theft, flood and vandalism.
Some policies will also cover your belongings off premises like a computer in your vehicle that was stolen.
The stand-alone liability provides insurance coverage for accidental physical injury to another person as well as damage to property caused by the insured policy holder.
Texas renters insurance is pretty inexpensive. The average is around twenty dollars a month for $10,000 of personal property coverage and $100,000 of liability coverage. If you need more coverage than that, you might be looking at twenty-five dollars a month. So for the cost of having a pizza delivered, you can insure your contents as a renter.