Apartment Residents
Some leases ask for proof of a renters or liability policy before move in and again at renewal.
Renters Insurance in San Antonio
Coverage for your belongings, your liability and a place to stay after a covered loss, for apartments, rental homes and condos you rent.
Who It's For
Rental Home Tenants
Houses, duplexes and townhomes where the owner's policy covers the building and not what is inside it.
Students and First Time Renters
A first apartment, or belongings at school that a parent's homeowners policy may cover in part.
Roommates
Shared apartments and houses where each person usually needs a policy of their own.
What It Covers
Personal Property
Furniture, clothing, electronics and other belongings damaged or stolen in a covered loss, including items stolen from your car or while you travel.
Personal Liability
Claims that you or your household injured someone or damaged their property, including legal defense for covered claims.
Loss of Use
Extra costs for a place to stay, meals and other needs if a covered loss forces you out while repairs are made.
Medical Payments to Others
Small medical bills for a guest hurt at your place, regardless of fault.
Replacement Cost Option
A basic policy may pay what your things are worth today. Replacement cost pays what it takes to buy them new, after your deductible.
Scheduled Valuables
Jewelry, watches, cameras and collectibles listed for their full value instead of the lower limits many policies set for them.
Texas and San Antonio Details
Texas law does not require renters insurance, but some landlords require it in the lease. Your landlord's policy covers the building, not your belongings. Some San Antonio apartment communities sell a liability program through the leasing office to residents who have no policy of their own. Read that addendum closely, because those programs are written to meet the lease requirement and do not cover your furniture, clothes or electronics.
Most renters policies do not cover flooding. San Antonio sits in Flash Flood Alley, and renters can buy contents coverage for their belongings through the National Flood Insurance Program. Most flood policies have a 30 day wait before coverage starts, so buy it before a storm is in the forecast.
A basic renters policy may pay what an item would sell for today, so a two year old laptop brings much less than a new one costs. Some policies also cap cash, jewelry and items used for business at lower limits. A home inventory with photos makes it easier to pick a limit and to file a claim. If you are a student, a parent's homeowners policy may cover your things at school, usually up to 10% of its personal property limit.
Common Questions
Is Renters Insurance Required in Texas?
No. Texas law does not require it, but some landlords require it in the lease. Check the insurance section of your lease for the liability limit and the proof they want.
Does My Landlord's Insurance Cover My Belongings?
No. The landlord's policy covers the building. Your furniture, clothes and electronics need a renters policy of your own.
Does Renters Insurance Cover Flooding?
Most renters policies do not. Renters can buy contents coverage through the National Flood Insurance Program, and most flood policies have a 30 day wait before coverage starts.
Do Roommates Need Separate Renters Insurance?
Usually, yes. A renters policy is written for the named insured and relatives who live with them, so roommates who are not related commonly carry their own. Some insurance companies allow a roommate to be added, and the terms vary.
Can I Bundle Renters and Auto Insurance?
Yes. Many insurance companies offer a discount when renters and auto are written together. As an independent agency, we can request quotes from more than one insurance company.
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