Garrett Insurance Agency - Main Office
212 Sidney Baker Street S
Kerrville, TX 78028

Fax: 855-928-2121

Renters Insurance

Renters Insurance Information

If you rent your home, you most likely need insurance to protect yourself and your belongings. Many renters believe that their landlord’s insurance will provide tenants with complete coverage, but that usually isn’t the case. Renters should instead consider renters insurance for financial protection against the unexpected. 

How Much Renters Insurance Do I Need? 


Most renters insurance policies include three types of coverage: 

  • Coverage for personal belongings may help replace or repair possessions that are damaged due to a covered event, such as a theft or fire.
  • Liability protection may help cover lawsuits for bodily injury or property damage for which you or your insured family members are responsible. Your policy may also include no-fault medical coverage, which may help pay for medical bills if someone is injured on your property, no matter who is at fault.
  • Additional living expenses may help provide coverage if you cannot live in your home temporarily due to a covered incident, such as a burst pipe. 

Speaking with a qualified insurance provider is essential to determine coverage options and limits for your situation. 

How Much Renters Insurance Can a Landlord Require? 


In most states, landlords can require renters insurance as part of your lease agreement. If a landlord requires renters insurance, they will typically expect you to have enough insurance to ensure that your belongings and financial well-being are covered. If you have a dog, pool, trampoline or other safety hazard, they may require additional liability coverage. They might also suggest obtaining an umbrella insurance policy. State laws may limit the amount of renters insurance a landlord may require. 

Renters Insurance Quote in Kerrville and Fredericksburg, TX 


If you are interested in learning more about renters insurance, contact Garrett Insurance Agency. We’re proud to provide insurance and risk management solutions in Kerrville, Comfort, Boerne, Fredericksburg, San Antonio and Ingram, Texas. Call us today if you’re ready to secure a policy or are interested in a quote.