Renter’s Insurance

What is Renters Insurance?

Renters insurance is a type of policy that protects tenants from a variety of instances common when renting apartments or other temporary properties. Usually priced quite competitively, this type of insurance is ideally suited for anyone renting their home but wishing for peace of mind if disaster should strike.

Home + Vehicles

Life + Income

Business

Toys

Renter’s insurance works well for the types of incidents most likely to be encountered in rental situations. Theft of a dwelling’s contents is covered, though often with the exception of treasured valuables such as jewelry and collectibles. It also covers damage from events like burst pipes or fires.

Some qualities of renter’s insurance are unique to renting. For instance, liability coverage will protect renters from damage for which the landlord holds them accountable. Actual Cash Value coverage is cheaper but only covers appliances’ original value minus depreciation, while Full Replacement coverage replaces damaged property with new items of similar quality.

Renter’s insurance will not cover damage caused by natural disasters, so other policies are necessary if the unit is in areas of high flood or tornado risk.

One benefit of renting is that tenants are not responsible for maintaining the property on which they live. This is also a drawback since it subjects renters to risks that landlords aren’t liable for. For instance, landlords aren’t responsible for water damage caused by a burst pipe. Since it is not the tenant’s burden to maintain the pipes, a renter without insurance is left in the unenviable position of paying for a problem they did not create.

Renters insurance will not cover instances of neglect known to both the tenant and the landlord, however. Hence, it is essential for tenants to report dangerous conditions and to retain the proof of having done so.

Renter’s insurance is a bargain. For a few dollars per month, tenants are insured against various disasters that the landlord-tenant relationship makes avoiding difficult or impossible. Any tenant owes it to their safety and peace of mind to invest in a quality renter’s insurance policy.

BIG Revelations from

other customers

Customer service was excellent,Jovan knew his products well.
mark dollinger
mark dollinger
Jovani was excellent at helping find insurance at an acceptable price
lilqik
lilqik
Very prompt response to my request for insurance for homeowners and windstorm coverage as well as car insurance. I highly recommend this team!
Kate Linkins
Kate Linkins
The staff at Independent Ins Counselors are very knowledgeable and nice. They found us the best quote/policy for our family. I would definitely recommend them to others !
Rainbeaux Sneaux
Rainbeaux Sneaux
Very nice and helpful staff. Ms. Betty has the most understanding and soothing voice of a loving grandma and thorough explains all you need to know.
Stacey Boyd
Stacey Boyd
Hello yes, I would like to say that jovani who helped me there with my policy and helping me and my husband get a great quote was awesome. He saved us so much money that we are thankful.Were so glad that we switched.Thank you jovani
Elisha Robinson
Elisha Robinson
Have always been helpful and easy to get in contact with.
J Smith
J Smith
They have always been responsive and helpful and gotten me good prices.
David Smoot
David Smoot
Everyone of you keep me taken care of and i appreciate all you do for me
lindia ward
lindia ward
Great insurance company always friendly and helpful
Jeffrey Lewis
Jeffrey Lewis
I have done business with Independent insurance for 30 years and have been served well. They are dependable and will help you in any way they can.
Pam Waters
Pam Waters
Great experience. Amber found me a more comprehensive policy for less money. Followed up with me in a timely manner.
Gerald Enochs
Gerald Enochs
Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
Mark Mayberry
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(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511