Renters Insurance in Garland, TX
Anyone renting a home or apartment in Garland, TX or nearby communities can benefit from renters insurance. Even if your landlord doesn’t require it, having coverage can save you from significant financial hardship. It is crucial for those with valuable personal property or anyone who wants liability protection. 
What Does Renters Insurance Cover?
Your landlord’s policy typically only covers the building and common areas, so accounting for your own financial interests remains your responsibility. One Choice Insurance offers renters insurance that may include:
- Personal property coverage for items like furniture, clothing and electronics if they’re stolen or damaged by covered incidents
- Liability coverage for when someone gets injured inside your rental or if you accidentally damage someone else’s property
- Loss-of-use coverage for assistance with temporary housing and living expenses if your rental becomes unlivable after a covered incident
Covered incidents in a renters policy may include fire, theft, vandalism, wind, hail and lightning. Damage from floods and earthquakes is typically excluded and usually requires separate coverage or an endorsement. Water backup, mold and long-term leaks may also be limited or excluded unless added by endorsement.
How Much Does a Policy Cost?
Renters insurance rates usually vary based on many factors, including the value of your belongings, your rental home’s location and the amount of coverage you choose. For an accurate pricing estimate, reach out to one of our agents.
Contact Us
If you rent a home or apartment in Garland, TX, One Choice Insurance is here to help you explore your renters insurance options. Our team can answer any questions you may have and help you choose a suitable policy. Contact us today to learn more.