Renters Insurance

Protect What’s Yours

Even if you don’t own the building, your belongings and personal liability still need protection. We offer renters insurance for apartments, rental homes, and shared living spaces across West Texas—coverage that’s simple, affordable, and tailored to fit your life.

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What Your Renters Insurance Can Include

Personal Property Coverage

Pays to repair or replace your belongings if they’re damaged, stolen, or destroyed by a covered event.

Liability Protection

Covers legal costs if someone is injured in your rental or if you accidentally damage someone else’s property.

Additional Living Expenses

Helps pay for temporary housing and meals if your rental becomes uninhabitable due to a covered claim.

Medical Payments to Others

Pays for minor medical bills if a guest is injured on your property, regardless of fault.

Theft Coverage

Includes protection for stolen property—even if it’s taken from your car or while traveling.

Replacement Cost Option

Ensures you’re reimbursed for the full cost to replace items, not just their depreciated value.

Designed for West Texas Renters

Renting in our region comes with real risks

Whether you’re renting in Lubbock, Abernathy, or one of the many small towns nearby, renters face risks like fires, break-ins, and storm damage. Apartments and rental homes may share walls, systems, and neighbors—which means more exposure to situations beyond your control. And your landlord’s insurance won’t cover your personal property or liability. We help renters across West Texas secure affordable protection that works whether you’re in a college apartment or a family rental home.

Frequently Asked Questions

  • Do I really need renters insurance if my landlord has coverage?

    Yes, because your landlord’s insurance only covers the building—not your belongings or personal liability. If there’s a fire or water leak, you’d be responsible for replacing your items out of pocket. Renters insurance also protects you if someone is injured in your unit. It’s a low-cost way to gain significant protection.

  • How much does renters insurance cost in Texas?

    In most parts of Texas, renters insurance costs between $15 and $25 per month. That typically includes $20,000 to $30,000 in personal property coverage and $100,000 in liability protection. It’s one of the most affordable types of insurance available. We’ll help you select the right limits based on what you own.

  • What events are covered by renters insurance?

    Most policies cover fire, smoke, lightning, theft, vandalism, certain types of water damage, and more. Some policies also include damage from wind and hail, which are especially important in West Texas. Earthquakes and floods are not covered unless added separately. We’ll review the details and explain what’s included in your plan.

  • Can I get coverage if I have roommates?

    Yes, but it’s typically best for each roommate to have their own policy. Renters insurance only covers the person named on the policy and their immediate family. Shared coverage can create issues if you need to file a claim or move out. We can help everyone in the household set up individual protection.

  • What does ‘replacement cost’ mean for renters insurance?

    Replacement cost means your insurer will pay the full amount to replace damaged or stolen items with new ones, rather than the depreciated value. For example, a $1,000 TV that’s a few years old might only be worth $300 under an actual cash value policy—but replacement cost would cover a new $1,000 TV. This option offers better protection for most renters and is well worth considering.