Low-Cost Renters Insurance in Dallas and Fort Worth
Suppose your apartment got damaged by a fire or flood and all your personal belongings were destroyed. Could you afford to replace everything? What if your apartment were burglarized and all your high-value items were stolen – how much would that cost you? Fortunately, if you purchase renters insurance through Baja, you don’t have to worry about such risks.
What Does Renters Insurance Cover?
We recommend that your renters insurance policy include these coverages:
- Personal Property. Personal property insurance protects your belongings should they be damaged, destroyed, or stolen. While many people think they are covered under their landlord’s insurance, this is actually not the case.
- Personal Liability. If your bathroom floods and the property in the unit below is damaged, your renters insurance policy with personal liability will likely cover such damage. Renters insurance can cover some medical expenses as well. If someone is hurt in your apartment and must spend time in the hospital, your renters insurance could cover those costs.
- Loss of Use. If damage occurs to your property and you are unable to stay in your unit during renovation, renters insurance can cover your hotel bills for a specified period of time.
I don’t own much – do I really need renters insurance?
You may not think you have enough possessions to justify purchasing renters insurance, but the truth is many renters underestimate the value of their possessions as well as how much it would cost to replace them. While most people consider only the costs of their high priced items (such as electronics or jewelry), what you should really consider when thinking about purchasing renters insurance is how much it would cost to replace all items in the apartment – bicycles, clothing, kitchen tools, dishes, and furniture. A typical two-bedroom unit, for example, contains about $30,000 worth of items.
Agents at Baja Insurance are ready to answer your questions about renters insurance and help you get an affordable renters insurance policy. Get a Texas renters insurance quote online by filling out the form at the top of the page or by calling (800) 488-5270.