| If you rent a house, mobile home, apartment, or | | | | must be addressed by an agency skilled at |
| condominium in Texas, one of the most important | | | | pinpointing potential problem areas and working |
| investments you can ever make is renters | | | | with carrier underwriters to issue the best and |
| insurance. Texas tenants have not been a | | | | most affordable renters insurance. |
| targeted market in the have insurance industry | | | | Texas Gulf Coast residents, for example, face |
| until recently. Unlike homeowners and landlords, | | | | the same perils that neighboring landlords and |
| Texas renters have historically been classified as | | | | homeowners face. Just look at the damage that |
| short term clients. Carriers have tended to pass | | | | Ike has inflicted on the Houston area, and it |
| over them, preferring instead to write policies for | | | | becomes readily apparent that apartment dwellers |
| the homeowner and the landlord. Few noticed the | | | | and those renting houses have experienced the |
| importance of the tenant and the need for | | | | same loss of power that property owners have |
| tenant-specific renters insurance. Texas has | | | | struggled with. Hurricanes like Ike can devastate a |
| grown tremendously in both size and diversity, | | | | renter just as much as a homeowner by ripping |
| however, and things have begun to change. | | | | through an apartment building and destroying its |
| When it comes to today's renters insurance, | | | | contents. If sufficient building damage occurs, the |
| Texas tenants now have more options, greater | | | | tenant may even lose his or her dwelling in the |
| affordability, and more comprehensive coverage | | | | process. Such an individual can be protected, |
| than ever before. These changes have been | | | | however, with renters insurance. |
| implemented by the carriers as they realize that | | | | Please be aware that as much as none of us |
| tenants do not stay tenants for ever. They | | | | want to admit it, there will be another one |
| eventually become homeowners and landowners | | | | somewhere in Texas, so be prepared. |
| themselves. They have also come to realize that | | | | In other parts of the state, perils other than |
| tenants who are presently renting need more | | | | hurricanes can be indemnified against with renters |
| than just renters insurance. Texas tenants need | | | | insurance. Texas residents in Austin and the |
| coverage on their autos, recreational vehicles, | | | | surrounding Hill Country may face tornadoes and |
| boats, and small businesses as well. With renters | | | | violent thunderstorms that often spin off the |
| insurance, Texas tenants can now enjoy | | | | hurricanes that strike the Gulf Coast areas. |
| discounted rates on other policies when obtained | | | | Panhandle tenants at times face blizzards and |
| from the same originating company. This is a | | | | near-Arctic freezes that need the protection of |
| value added service that benefits both the Texan | | | | renters insurance. Texas Broad Form Tenant |
| and the insurance carrier alike. | | | | policies can go far in limiting the devastation such |
| Texas Auto Home wants every tenant who visits | | | | calamities can bring. They can also indemnify a |
| our website to recognize the value and | | | | tenant against personal liability and medical claims |
| importance of comprehensive and affordable | | | | alleging tenant negligence. Other perils such as |
| renters insurance. Texas contains many diverse | | | | theft, fire, vandalism, malicious mischief, damage |
| geographies and a multiplicity of urban and rural | | | | from plumbing and heating systems, and now |
| environments. Each of these regions in turn | | | | even identity theft, can all be covered under |
| carries with it its own unique set of perils that | | | | Broad Form renters insurance. |