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The following article was published in our article directory on December 24, 2012.
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Planning to Not Avail Renters Insurance in Texas?

Article Category: Advice

Author Name: Jim

There are six main types of home insurance depending on the amount of coverage and type of incident covered. There is a home insurance for people who don t own but rent a home. Here are some reminders whether or not you are planning to avail renters insurance in Texas.

It Pays for Your Properties After a Peril

The renters insurance in Texas is not required. However, you can find some landlords who require it. Even if it is not required, you should still get one. It must not cost a grand per year. The renters insurance could pay for your belongings in case of perils like fire. Note that this is something that your landlord s insurance does not cover. In case of flood or fire, your landlord s insurance would cover the building but not the repair or replacement of your properties inside.

It Pays for Injuries of Guests

Even if you don t have price items, you should still consider a renters insurance policy. It is not only used to pay for costs of your belongings in case of a peril. It can also be used to cover for medications or hospitalization of your guests wherein you are held liable if the injury happens inside the room or house you are renting. Make sure that your policy will have liability coverage.

It Pays for Temporary Living Expenses

There are times when perils might make the unit you are renting not suitable for living. For instance, the building can be severely damaged by fire. If you want to check in to a hotel, you can file a claim for all the expenses.

It Does Not Cover You If Your Roommate Purchased It

A cost efficient way to rent a home, condo unit or apartment is to share it with a friend. What if your roommate has a renters insurance in Texas? Are you covered? No, you aren t unless you are renting the apartment with your sibling. A renter s insurance is restricted to the individual policy holder and his family members. Friends are not included.

Your Live-In Partner Has Renters Insurance

So you and your partner decide to live in together and are going to rent a unit. He or she has a renters insurance policy and you don t. Do you still need to look for renters insurance in Texas? It depends. You may want to check your partner s policy to know if you are covered or not. There are some companies that extend the coverage to a domestic partner including live-in partner. Other companies just don t consider live in partners as domestic partner.

Whether your partner opt to have a separate renter s insurance, you should also buy things separately and keep a record of each purchase. Joint properties of unwed couples are hard to identify and verify when it is time to file a claim at least with renters insurance.

If you are renting a house or apartment, it is best to get a renters insurance in Texas. If you share the space with a friend, keep in mind that you are not covered by his policy. Your live-in partner s policy may not be even covering your stuff.

Keywords: Texas Home Insurance, Texas Flood Insurance, Renters Insurance in Texas, Texas Renters Insurance, Texas Insurance

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