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The following article was published in our article directory on December 27, 2012.
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Texas Renters Insurance - Why You Should Get a Policy

Article Category: Advice

Author Name: Jim

You might think that you are saved from costly home insurance if you are just renting. Note that insurance companies offer several types of home insurance policy one of which is HO-4 or renters insurance. Should you look for Texas renters insurance?

What Is Renters Insurance?

The HO-4 is like HO-2, the home insurance policy that covers all basic 16 perils including fire, volcanic eruptions, hail damages, and damages by aircrafts and vehicles. Most renters insurance policies include a liability insurance for injuries inside the unit.

Your Landlord Has Insurance Policy

The landlords have an insurance policy that covers the property so why should you get Texas renters insurance policy? Exactly. Your landlord s insurance policy covers just the property, which is not yours. Who pays for insurance for your belongings in that property? No one unless you avail a renters insurance policy. In fact, robbery in your unit is unlikely covered by your landlord s policy. Your things damaged in the fire are not covered, too. As a matter of fact, the renters insurance may pay for your temporary living expenses in case of floor or fire that makes the property unsuitable to be your shelter.

In addition, most landlords have already learned their lesson. With tenants compromising their landlord s insurance for the past years, more and more landlords in Texas is now requiring that the renter avail insurance. This is usually written in the agreement.

You Don't Have Lots of Money

The fact that you are renting may mean that you don't have lots of money. You cannot even buy your own home. The insurance companies imply that the renters are not financially capable of replacing their personal belongings like furniture and appliances if something happens or paying for injuries of guests. The renters insurance can cover that. However, the renters must make sure that the renters insurance policy has personal property and liability coverage. A good policy can cover for slips of your guests and damages of your belongings.

Renters Insurance Is Affordable

In addition, a renters insurance policy is way more affordable than a home insurance. There should not be an excuse for you to say that you cannot afford it. A renters insurance policy is estimated to cost only a few hundred dollars every year and there are many ways to get discounts.

The Way Reimbursements Are Calculated

This may encourage you to get renters insurance more. Many people believe that they do not need a renters insurance policy simply because they don t have pricey appliances, furniture, etc. In fact, sum up all your appliances (i.e. flat screen TV), laptop, clothes, and shoes and you might be surprised by the total cost.

On the contrary, the value of your items is not the only thing considered when calculating reimbursements. The policy deductible and provisions are also taken into consideration.

Just because you don t own a house doesn t mean you can forget about home insurance. You should get one even if your landlord does not require it because his insurance covers only the building and your belongings. You should look for Texas renters insurance that has a personal property and liability coverage.

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

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