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Things Your Texas Renter’s Insurance Won’t Cover: Do You Need Additional Coverage?

As a tenant, you may already know about the importance of renter’s insurance.

Your landlord is only responsible for providing coverage for the structure -not your belongings. Should a fire, flood, or robbery occur –your belongings will most likely not be covered under your landlord’s home insurance policy. As a tenant, you are responsible for protecting your belongings with a renter’s insurance policy.

But did you know that your renter’s insurance policy won’t cover everything?

Here are a few things your renter’s insurance policy might not cover, and things that you might want to consider taking out extra coverage out for.

Liability
Should someone get hurt while visiting, your standard renter’s insurance policy may not provide coverage. If your place is a high traffic area, or you hold a lot of parties, you may want to consider adding liability insurance to your insurance policy. This will protect you in the event that someone becomes injured on your premises, as well as for lawsuits that you may be held liable for.

Natural Disasters
If you assume that your basic renter’s insurance policy protects you against natural disasters such as earthquakes or flooding – you would be mistaken. A general renter’s insurance policy doesn’t offer protection against such disasters. If you live in an area that’s considered high-risk for earthquakes or floods, you might consider taking out an additional insurance policy that provides coverage for your belongings in case of damage sustained during an earthquake or flood.

High-Value Items
If you own high-value items, such as artwork, jewelry, or fine furs – you may want to consider taking out additional coverage. Also, be sure to have your items appraised, and save receipts to document value

Your Roommate’s Belongings
One renter’s insurance policy won’t cover is your roommate’s belongings. Roommates who aren’t related to you will need to purchase separate insurance policies.

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