Presley Insurance Group
Renters Insurance for Texas Renters
Presley Insurance Group helps Texas renters protect their belongings and personal liability with renters insurance that fits real life—whether you’re in an apartment, duplex, or rental home anywhere across the state.
Renters Insurance Texas Renters Can Rely On
Even when you don’t own the building, you still have a lot to protect—furniture, electronics, clothing, and all the pieces that make your place feel like home. Renters insurance helps you recover from events like fire, theft, or certain types of water damage, and it can also help protect you if you accidentally cause harm to someone else or their property.
Based in the Dallas-Fort Worth area and serving renters across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers on your behalf. We explain coverage in plain language and help you choose personal property and liability limits, deductibles, and options that fit your budget. Whether you’re renting your first apartment or moving your family into a larger home, you get clear choices and a local team ready to help at renewal and at claim time.
Texas Renters Insurance Coverage Options
Personal Property Coverage
Personal property coverage is at the heart of your renters policy and helps pay to repair or replace your belongings if they’re damaged or destroyed by a covered loss, such as fire, theft, or certain types of water damage. We’ll help you estimate how much your stuff is really worth and decide whether replacement cost coverage makes sense so you’re not left short after a claim.
Medical Payments to Others
Medical payments coverage can help with minor medical bills if a guest is injured at your place, regardless of who was at fault. It’s a simple coverage that can go a long way toward preventing small mishaps from turning into bigger issues.
Deductibles and Policy Limits
Renters policies usually come with a deductible that applies when you have a property claim. We’ll walk you through how different deductibles affect your premium and help you pick a number that feels comfortable if something happens, without overpaying each month.
Personal Liability Coverage
Liability coverage helps protect you if you accidentally cause injury to someone else or damage to their property, whether that happens in your rental or away from home. We’ll talk through your lifestyle, pets, and activities to recommend liability limits that feel realistic and protective, especially in today’s legal environment.
Loss of Use / Additional Living Expenses
If a covered loss makes your rental temporarily unlivable, loss of use (or additional living expenses) coverage can help pay for things like hotel stays or the extra cost of eating out while your place is being repaired. We’ll review how long this benefit can last and what types of expenses it’s designed to cover.
Common Endorsements and Add-Ons
Renters insurance can be customized with endorsements like water backup coverage, scheduled coverage for jewelry or other valuables, and sometimes identity theft protection. We’ll help you decide which add-ons make sense based on what you own and what you’re most concerned about.
Pets, Roommates, and Shared Spaces
Pets and roommates can complicate coverage if they’re not handled correctly. We’ll discuss how your policy treats dog-related liability, what happens if you live with roommates, and why each adult may want their own policy instead of relying on someone else’s.
Renters Insurance Built Around Texas Living
Renting in Texas can look like a small studio in Dallas, a townhome in Austin, or a single-family home in a growing Central or West Texas community. No matter where you’re renting, local factors like severe storms, theft trends, and building types can all influence risk and coverage decisions. We consider where you live and how you live when we recommend renters insurance options.
Our local insight helps you:
- Understand what your landlord’s policy does—and doesn’t—cover
- Decide how much personal property coverage you really need based on your belongings
- Choose deductibles that balance affordability with real-world claim scenarios
- Coordinate renters insurance with your future home or condo plans
- Consider when adding a personal umbrella policy might make sense as your life and assets grow
Smart Ways Texas Renters May Save on Renters Insurance
Renters insurance in Texas is often surprisingly affordable, and there are usually ways to keep it that way without cutting important protection. While discounts vary by carrier and eligibility, we regularly look for opportunities to help you get more value from your policy.
- Home and auto insurance bundles that include renters coverage
- Multi-policy discounts when you insure your auto and renters with the same carrier
- Claims-free discounts for renters with clean recent histories
- Possible savings for monitored alarm systems, smoke detectors, and security features
- Discounts or credits tied to paying in full or setting up automatic payments
- Options to adjust deductibles thoughtfully rather than cutting key coverages
We’ll compare different carriers and coverage levels side by side so you see more than just the cheapest option—you’ll see what you’re actually getting for the price. Our goal is to help you feel confident that your renters insurance fits both your stuff and your budget.
Frequently Asked Questions
Do I really need renters insurance if my landlord already has insurance?
Yes. Your landlord’s insurance typically covers the building itself, not your personal belongings or your personal liability. If a fire, burst pipe, or other covered loss damages your furniture, clothing, or electronics, you’d usually need renters insurance to help replace them. Renters insurance is also what helps protect you if you accidentally cause damage or someone gets hurt and holds you responsible.
How much renters insurance do I need for my belongings?
We usually recommend starting with a rough inventory of your belongings—furniture, electronics, kitchenware, clothing, and anything else you’d need to replace. Many renters are surprised by how quickly the total adds up. We’ll help you estimate a realistic personal property limit and decide whether you want replacement cost coverage so you’re not relying on depreciated values after a claim.
Does renters insurance cover my stuff outside of my apartment?
In many cases, yes. Renters insurance often covers your belongings even when they’re temporarily away from your home—like items stolen from your car or luggage stolen while traveling—subject to policy limits and deductibles. We’ll walk through how “off-premises” coverage works on your specific policy so you know what to expect.
Are my roommates and their belongings covered under my policy?
Not automatically. Some carriers allow roommates to share a renters policy, while others don’t. Even when it’s allowed, sharing a policy can create complications at claim time or if someone moves out. We’ll talk through who lives in your household and recommend the cleanest approach—often each unrelated adult having their own policy.
Does renters insurance cover my pet if they hurt someone or cause damage?
Liability coverage on a renters policy may help if your dog injures someone or causes certain types of damage, but there are often restrictions depending on the breed, bite history, and carrier guidelines. We’ll ask about your pets up front and make sure we place you with a carrier that handles your situation clearly so there are fewer surprises later.
Is renters insurance required in Texas?
Texas doesn’t require renters insurance by law, but many landlords and property managers do require it in the lease. Even when it’s not required, a renters policy is an inexpensive way to protect your belongings and your liability. We’ll help you meet any lease requirements and make sure the policy actually covers what you care about—not just the minimum.