If you rent a house, mobile home, apartment, or condominium in Texas, one of the most important investments you can ever make is renters insurance. Texas tenants have not been a targeted market in the have insurance industry until recently. Unlike homeowners and landlords, Texas renters have historically been classified as short term clients. Carriers have tended to pass over them, preferring instead to write policies for the homeowner and the landlord. Few noticed the importance of the tenant and the need for tenant specific renters insurance. Texas has grown tremendously in both size and diversity, however, and things have begun to change.
When it comes to today’s renters insurance, Texas tenants now have more options, greater affordability, and more comprehensive coverage than ever before. These changes have been implemented by the carriers as they realize that tenants do not stay tenants for ever. They eventually become homeowners and landowners themselves. They have also come to realize that tenants who are presently renting need more than just renters insurance. Texas tenants need coverage on their autos, recreational vehicles, boats, and small businesses as well. With renters insurance, Texas tenants can now enjoy discounted rates on other policies when obtained from the same originating company. This is a value added service that benefits both the Texan and the insurance carrier alike.
Texas Auto Home wants every tenant who visits our website to recognize the value and importance of comprehensive and affordable renters insurance. Texas contains many diverse geographies and a multiplicity of urban and rural environments. Each of these regions in turn carries with it its own unique set of perils that must be addressed by an agency skilled at pinpointing potential problem areas and working with carrier underwriters to issue the best and most affordable renters insurance.
Texas Gulf Coast residents, for example, face the same perils that neighboring landlords and homeowners face. Just look at the damage that Ike has inflicted on the Houston area, and it becomes readily apparent that apartment dwellers and those renting houses have experienced the same loss of power that property owners have struggled with. Hurricanes like Ike can devastate a renter just as much as a homeowner by ripping through an apartment building and destroying its contents. If sufficient building damage occurs, the tenant may even lose his or her dwelling in the process. Such an individual can be protected, however, with renters insurance.
Please be aware that as much as none of us want to admit it, there will be another one somewhere in Texas, so be prepared.
In other parts of the state, perils other than hurricanes can be indemnified against with renters insurance. Texas residents in Austin and the surrounding Hill Country may face tornadoes and violent thunderstorms that often spin off the hurricanes that strike the Gulf Coast areas. Panhandle tenants at times face blizzards and near Arctic freezes that need the protection of renters insurance. Texas Broad Form Tenant policies can go far in limiting the devastation such calamities can bring. They can also indemnify a tenant against personal liability and medical claims alleging tenant negligence. Other perils such as theft, fire, vandalism, malicious mischief, damage from plumbing and heating systems, and now even identity theft, can all be covered under Broad Form renters insurance.
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