Renters insurance Texas

Providing renters insurance to thousands of happy customers in Dallas/Fort Worth

Suppose your apartment were damaged by a fire or flood, and all your personal belongings were destroyed. Could you comfortably afford to replace everything? What about 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.

Things to consider when purchasing renters insurance

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.

But I don’t have enough stuff to purchase renters insurance

You may not think you have enough stuff to justify purchasing renters insurance. But the truth is that 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 Auto Insurance are ready and available to advise you and your family on renters insurance policies. Call 800-488-5270 today for a free quote!