Renter's Insurance

WARNING: Your Landlord's insurance only protects the apartment or rent house building --- not your possessions!

        Renter's Insurance protects your possessions from loss by theft, fire, lightning, tornado and other perils. Renter's Insurance also provides financial compensation to help after an insured loss if you are displaced from your residence. Renter's Insurance additionally includes Personal Liability protection from lawsuits caused by accidental damage or injury that you, your family members or your pets cause.

Why we're different from the other online insurance sites:

• Quotes Quick - We do our best to expedite your quote.
• Service After the Sale - Local friendly service for over 30 years.
• Knowledgeable Help - We help you understand your insurance choices.
• Broad Range - We offer a wide range of business insurance programs.
• Walk-in Service Available - Visit us at our South Austin office - Map, Directions and Contact Information
  

Ready to Start a Renter's Insurance Quote?

Renters Insurance Coverages Included

Contents - Provides protection for your clothes, appliances, furniture and other possessions at your rented residence. Contents insurance coverage is available either on an "Actual Cash Value" basis or at "Replacement Cost." Perils include: Fire, Tornado, Burglary, Lightning and Vandalism among others. 

Off-Premise Contents - Worldwide protection of your personal property away from your apartment or other rented premise. This is generally limited to 10% of your contents coverage. An example would be a theft from a motel when you are on a vacation.
 
Loss of Use / Living Expenses - Pays for additional expenses you incur if you are displaced after an insured event (example: apartment fire) because your residence is not habitable. This is generally limited to 20% of your contents coverage and a very important insurance protection for all tenants of apartments or rent houses.
 
Personal Liability - Protects you from lawsuits caused by accidental property damage or injury caused by you, your family members and acts of your pets. An example would be your dog getting loose and biting a neighbor's child. Another example would be an accidental kitchen fire in your apartment damages the landlord's stove. Liability coverage is often a requirement of your landlord.
 
Guest Medical - Provides for medical payments for other people injured at your residence. This is generally limited to $1000. An example would be a visiting friend slips on your entry rug and breaks an arm incurring a $500 emergency room bill.

Lightning Strike, A personal story

        About twenty-five years ago, the Crump family was living in a rent house in Duncanville (near Dallas). A powerful thunderstorm raged one night. A bolt of lightning struck the power line behind our house and grounded in our water heater gas feed line causing it to become a large gas flare. Startled out of bed (my wife said I leaped about 4 feet), I ran down the hallway toward the kid’s bedrooms and saw the flame. I don’t know what I was thinking but I opened the water heater closet door and blew the flame out. The good news was that my quick action kept the house from burning down. The bad news was that the gas lined rupture filled our whole rent house with natural gas. We got everybody across the street to a neighbor’s house and called the fire department. One spark and our rent house with all our stuff would have been destroyed.

AUTO INSURANCE

We offer competitive rates plus a companion discount with Renter's Insurance.

LIFE INSURANCE

Important protection for young families.