Renters Insurance and Homeowners Insurance in Houston, Spring TX, Tomball and Nearby Cities

If you need renter’s insurance in Aldine, Houston, Humble TX, Spring TX or Tomball, then All About Insurance can help. They are independent agents and they know where to find the best insurance deals, be it renters insurance or full property insurance.

As a tenant you still have valuables and liabilities that need to be covered. Your personal possessions are likely more valuable than you might think. You probably have furniture, equipment, clothes, collections, jewelry and other personal items of value. If you stuff gets damaged or stolen it can be costly to replace. Renters insurance is not expensive and will give you peace of mind that your personal possessions and valuables are covered in the event of theft, damage or loss.

When it comes to renter’s insurance you need to get replacement value insurance. Your possessions are likely more expensive know than when you purchased them. If you don’t have replacement value insurance, you might only recover a fraction of what it will cost to replace a certain item.

You also need to be aware of limits applicable to your renter’s If you have high-value items such as jewelry, works of art or other collections, you may need to specify them separately. That means you can add riders and endorsement to your policy that will increase your coverage on high value items. If you don’t have such endorsements, the insurance company might only pay out a fraction of what the items are worth.

Another important aspect of renter’s insurance is liability cover. Even though you don’t own the property, you are still liable for certain injuries or damages sustained by other while on your property. For example if your dog bites a visitor you will be liable for medical expenses.