How does renters insurance work in Texas?

May 8, 2024

Everything you need to know about renters insurance in Texas.

Renters insurance 

Whether you're just moving into your first apartment or settling into a long-term rental, renters insurance offers tenants a safeguard for their belongings. But what exactly does renters insurance entail in Texas? We'll walk you through the details!

What does renters insurance cover?

You might have wondered, "Why should I bother with renters insurance? Doesn't my landlord's insurance cover everything?" Your landlord most definitely has insurance for their property, but it will not protect your personal belongings. In fact, that is specifically what renters insurance is for!

If a disaster were to damage your building, your landlord's insurance would cover the repair costs. However, renters insurance steps in to replace your personal belongings that are damaged. While the specific disasters covered by renters insurance can vary depending on the company, they typically include common incidents such as fire, theft, riots or civil unrest, storms, leaks, and more.

Basic coverages

Many insurance policies break down into three main categories, and renters insurance is no exception.

Personal Property. This covers your personal belongings, like furniture, electronics, and clothing. For example, if there is a fire in your building and your furniture is destroyed, this would help you replace it. 

Loss of use. This aspect of a renters insurance policy can help provide you with a place to stay if yours is temporarily uninhabitable. If the fire from our previous example required you to leave your rental while repairs were made, this could provide you with funds to stay somewhere temporarily. 

Personal Liability. Pays for injuries that other people may sustain while on your property, and covers legal fees if you're sued for it. This could cover medical bills if someone injures themselves on your property. It could also cover repairs if something in your apartment causes damage in an adjacent unit. 

Optional coverages

Beyond the basic coverages offered by most renters insurance policies, there are usually a number of optional coverages you can add.

Other disasters. This additional coverage would extend your policy to protect your personal belongings in the event of disasters not typically listed, like floods and earthquakes (while uncommon in Texas, they do happen!). 

Special/extra coverage. This addition is for more expensive items like jewelry and electronics. While your policy will likely cover these things, if they are especially valuable, they may exceed the limits of your base policy. If that is the case, you can often get additional, specific coverage to extend those limits. 

Additional liability. Depending on various factors in your life (like having a dog for example), you may decide that the basic level of liability offered with renters insurance isn't enough. In such a case, you might consider adding extra liability to your policy. If your rented property has something like a pool, or any item or feature that might cause injuries, you may be required to expand your liability coverage. If you feel as though you need even further liability coverage (beyond the limits of a renters policy), umbrella insurance might be an option to consider. For more information, check out the Umbrella insurance: 15 of the most common questions answered! Germania blog. 

Who needs it?

In general, anyone who is renting an apartment, condo, townhouse, or rental house can greatly benefit from having a renters policy.

Is renters insurance required in Texas?

Although there's no specific law mandating tenants to have renters insurance in Texas, landlords have the authority to require it. Many landlords recognize its importance and make it a requirement, as do numerous apartment complexes. However, even if they don't, renters insurance is often quite affordable and offers significant value. Ultimately, it's just a good idea, even if it isn't always required.

How do renters insurance claims work?

After securing a renters insurance policy, there are several steps you can take to ensure a smooth claims process should the need arise.

Filing a renters insurance claim

Fill out a home inventory checklist. A home inventory checklist is a document you can use to help you take inventory of all the items in your rental place and estimate their value. Should you have to file a claim, this can be invaluable during the process.
Additionally, when you're getting a quote for renters insurance, the checklist can help you get the most accurate premium. It certainly isn't required, but having a detailed list of your property will help your agent get you the coverage amount that's right for you.

Keep receipts for newer items. In addition to the home inventory checklist, it's also a good idea to keep receipts, or make copy of your receipts, in order to help you keep track of the value of the property you want covered. This sounds tedious, but you can simply snap a clear photo and store it on your computer or phone.

Call your insurance company. If you've experienced an event (such as a fire or theft) and want to file a claim, it's important to reach out to your insurance company as soon as possible. While they may send out an adjuster to evaluate the loss, having your checklist and receipts ready will help speed the process up.


Like most insurance policies, renters insurance usually has a deductible associated with it. Of course, the amount of your deductible will vary based on your individual policy.

Once your claim has been evaluated and you've paid the deductible, your insurance company will cover the rest up to the limit of the policy. For example, if you have a $2,000 claim with a $200 deductible, the insurance company would pay the other $1,800.

Renters insurance

When you’re filing a claim, great customer service is essential. Since 1896, Germania Insurance has been the Insurance Texans Trust for great coverage and outstanding customer service. But don’t take our word for it! Hear what our customers have to say

For more information about our insurance products, reach out to one of our trusted agents today!

by Madalyn Jozwiak

About the Author

Madalyn Jozwiak is a Corporate Communications Specialist at Germania Insurance.

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