As a new tenant in Allen, TX, you need to have renters insurance to cover your belongings because the homeowners’ insurance does not cover the risks and uncertainties facing your belongings. To be on the right side and to get the best renters insurance, it is important to get sufficient information from Texas Independent Insurance on what the renter’s insurance covers and what it does not cover. 

Theft of Personal Belongings

If you have your personal belongings such as clothes and other items stolen from your rented room, you don’t have to turn to your landlord because homeowners insurance does not cover your personal items. In this case, your renter’s insurance will replace everything that has been stolen. However, the policy will not cover valuable items that you did not disclose when getting your insurance. 

Water Backup Damages

Water backup damages are common incidences that affect most of the renters in their rented homes. However, it would be best to ignore the possibility of this accident happening and damaging most of your belongings. However, with renters insurance, you don’t have to be worried because everything that has been damaged will be replaced or repaired without you paying a single dollar. 

Bodily Injuries in the Rented Property

If you are involved in an accident while still in your rented room, your renter’s insurance will help you to cover all the medical expenses. The same can apply to any person who has been injured in your house. However, your insurance company will have to conduct due diligence to determine whether acts of negligence were involved in the entire process, after which you might not get compensated. 

In Allen, TX, sometimes it is very challenging to get the renters insurance that meets your needs. However, with Texas Independent Insurance at your service, you can find reliable coverage to protect yourself from liability and property damage.