What Does Renters Insurance Cover?
Your landlord's policy covers the building — not your stuff. Renters insurance fills that gap and more.
Personal Property
Covers your furniture, electronics, clothing, jewelry, and other belongings if damaged or stolen — even away from home. Fire, theft, vandalism, water damage, and more are typically covered.
Personal Liability
If someone is injured in your apartment or you accidentally damage a neighbor's property, liability coverage pays legal fees, medical bills, and settlements.
Additional Living Expenses
If a covered loss makes your rental uninhabitable, this pays for temporary housing, food, and extra costs while you find somewhere to stay.
Medical Payments to Others
Pays for a guest's medical expenses if they're injured in your home — regardless of fault. Helps avoid larger liability claims.
Why Renters Insurance Is a No-Brainer
Surprisingly Affordable
Renters insurance typically costs between $15 and $30 per month — less than a Netflix subscription. For that price, you're covered for tens of thousands in belongings and significant liability protection.
Landlords Often Require It
More and more Texas landlords and property managers are requiring renters insurance as a condition of the lease. Getting covered before move-in keeps the process smooth.
Bundle & Save More
Bundle your renters policy with auto insurance and save on both. Many clients save 10–20% by combining coverage with the same carrier through our agency.
A Local Agent Who Works for You
With 284 five-star Google reviews and 17+ years of experience, Hunter Chaumont knows how to find the right coverage at the right price.
We Shop Top Carriers
We compare options across leading carriers to make sure you get the best value — not just the easiest sale.
Plain English Explanations
No jargon. You'll know exactly what you're covered for and what you're not — before you sign anything.
Real People. Real Answers.
Call or text and reach a real agent — not a call center. We pick up. We follow up. We're here when you need us.