Renters Insurance Houston

If apartment living is your style, it is important that you have renters insurance; Houston and Dallas are just a few cities in Texas that the Steve Griffin Agency services. If a disaster were to strike at an apartment that you rent and you do not have renters insurance, your property is not covered. Many renters believe that their belongings are covered with their landlords insurance coverage, this simply is not true. The agents at Steve Griffin Agency can answer your questions about renters insurance. Houston residents can either call or visit our offices during business hours.

Who Needs Renters Insurance

Generally speaking, if you do not in any way own the home that you are living in or fall under the direct family of the owner of the homeowners insurance policy (such as a child whose parent owns the home) then you need renters insurance. If you are living with a friend, boyfriend/girlfriend, have a roommate who shares the rent with you; you need to pickup your own policy.

Often times it is after an accident occurs that people find that they needed this type of coverage, it is generally not thought of by the average renter; but when disasters such as hurricane Katrina and Rita occurred; Houston residents not only felt the pain of displaced residents but are now directly and indirectly paying the costs may insurance companies would have incurred if more renters policies were in place.

Other important facts to consider:

• Not only does it cover you for damage and loss of personal property; it also can act as liability coverage- protecting your assets and covering costs if someone is injured in your rental place. This important fact protects you from lawsuits and liability.
• Rental insurance can protect you from loss and damage caused by fire, theft, damage to TV's, stereos and other electronic equipment caused by lightning and storms.

Usually you will need separate coverage for natural disaster like an earthquake.

Now is the time to call a qualified agent at the Steve Griffin Agency. If you have questions, one of the best things you can do is ask. They want to assist you with understanding what are covered, not covered, rates and discuss plans that are available to you. Call 1-866-956-0410 to discuss your insurance needs today.