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Enter the rental address and household information. Compare available property and liability selections, deductibles and optional pet coverage.
Texas apartments · duplexes · rental homes
Texas renters insurance for apartments and rental homes
Compare Texas renters insurance for apartments, rental homes and shared households. Review personal property, liability and optional protection, then quote, buy and print policy documents through the secure ePremium portal. Qualifying plans may start around $12–$14 per month; actual pricing varies. Many shoppers can complete the simple self-service purchase in about five minutes.
Payment & billing options
Available methods and billing plans depend on the provider.
Coverage options
What does renters insurance cover?
ePremium offers renters coverage for belongings and liability, with additional benefits and selections depending on the policy. Review the actual options in the secure portal before purchasing.
| Coverage | What it can protect | Selection guidance |
|---|---|---|
| Personal property | Furniture, clothing, electronics and other belongings after eligible covered losses. | Choose limits that reflect what you own. |
| Personal liability | Covered claims involving bodily injury or property damage for which you are legally responsible. | Many apartments require at least $100,000; check your lease. |
| Replacement cost | Replacement-cost settlement for eligible belongings when provided by the selected policy. | Review valuation terms, deductible and claim conditions. |
| Additional living expenses | Eligible extra living costs when a covered loss makes the rental uninhabitable. | Confirm availability, limits and qualifying conditions. |
| Medical payments to others | Eligible minor injuries to other people under applicable policy provisions. | Confirm whether included and review limits. |
| Pet coverage | Qualifying pet-related protection offered as an additional selection. | Optional: select it during purchase if you want this coverage; verify the specific benefits. |
This is a shopping guide, not a coverage guarantee. The insurer's issued policy, selected options, endorsements, limits and exclusions control. Pet coverage is not automatically included.
Self-service insurance
Texas renters insurance: quote, buy and print
Use the secure provider portal to review options, select coverage and complete a purchase without waiting for a paper application.
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Buy securely
Review your chosen coverage, effective date, premium and payment terms before completing the transaction through ePremium.
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Print your documents
After successful purchase, access printable policy documentation immediately. Coverage can begin as early as 12:01 AM the following day.
Immediate document access does not mean same-day coverage. Confirm the effective date on the issued policy and follow your apartment community's proof-submission instructions.
Apartment living
Apartment renters insurance and lease requirements
Many Texas apartment communities require a minimum of $100,000 in personal liability coverage. Your lease controls the amount required for your rental, so confirm it before selecting a policy.
With apartment renters insurance, consider your furniture, clothing, electronics and other possessions, not just the liability proof requested by management. A landlord's building insurance generally does not insure your belongings.
Have the full address, unit number, desired effective date and any interested-party instructions ready. Confirm that the issued document matches your lease requirements.
Pet coverage is available as an optional selection through ePremium; it must be selected during purchase and its actual benefits should be reviewed.
Rental houses and townhomes
Renters insurance for a house you lease
This protection is not limited to apartments. If you lease a house, duplex or townhome, review coverage for your personal belongings and covered personal liability.
Consider furniture, electronics, clothing and household items throughout the home. The property owner generally insures the building itself; your renters policy addresses eligible tenant property and liability claims under its terms.
Check your lease requirements, choose an appropriate effective date and review optional pet coverage if needed. Use the same secure portal to quote, buy and print documents after successful purchase.
Choose optional protection
Pet coverage is available when selected
ePremium offers optional pet coverage for qualifying renters policies. It is not automatically included: review the available pet protection and affirmatively select it during your online purchase if it suits your household.
Check the portal for the applicable covered situations, limitations, exclusions and premium before buying. Do not assume all pet-related damage or veterinary expenses are covered.
Put the information to use
A policy should reflect the household living there
A family leasing a house may bring several rooms of furniture, while a student in a shared apartment may own fewer items but rely on valuable electronics. Estimate belongings from what you own rather than selecting a limit solely from the rental’s size.
When reviewing renters insurance, confirm the people who need protection and how the provider treats unrelated roommates. The names on a lease and the person paying the bill do not automatically establish who is insured.
Ask about special property categories, possessions in storage and any work equipment kept at home. Compare settlement terms and deductibles with the selected personal property amount, and keep an inventory that can be reached if the residence becomes inaccessible.
Covered causes of loss, exclusions and conditions matter as much as a limit. Standard tenant policies generally exclude flood damage, and additional living expenses depend on the terms of a covered loss rather than every disruption to daily life.
Price and coverage
How much does renters insurance cost?
Some qualifying ePremium renters policies may start around $12–$14 per month. That is an indicative starting range, not a guaranteed quote or statewide average.
Price depends on the rental address, selected limits, deductible, household details and optional choices. Compare what the policy provides—not only the monthly payment.
For apartment renters insurance, confirm the required liability limit first, then choose personal property protection appropriate for your belongings.
Value of belongings
Replacement cost versus actual cash value
Replacement cost generally reflects the cost to replace eligible property with a comparable item, subject to the policy's settlement provisions.
Actual cash value generally accounts for depreciation. The difference can affect how much you receive after a covered loss.
Check which valuation terms apply to the ePremium policy offered to you, along with the deductible, special item limits and claim conditions.
Before you continue securely
Have the lease and household details ready
- Full rental street address and unit
- Requested policy effective date
- Lease-required liability amount
- Property manager or interested-party instructions
- Belongings estimate and deductible preference
- Household details, email and payment information
Keep the lease instructions and your selections together while reviewing an option. If management’s requested date, liability amount or policy designation is unclear, clarify it before paying rather than guessing to finish the application.
Agency support across Texas
Insurance for renters in Texas
Insurance Plus can help you review Texas renters insurance options and identify the information to gather before buying. You can continue through the secure provider portal when ready and contact the agency with service questions after purchase.
Insurance Plus has served Texas since 1997. Insurance Plus can help with agency questions; the provider determines eligibility, quoted pricing, payment arrangements and issued coverage. No particular premium, approval or document timing is promised.
214-351-4097Monday–Friday, 9:00 AM–6:00 PM
Use the supporting resources below for cost, proof, lease and effective-date questions.
Resources for the other parts of your decision
Choose the supporting page that fits the question you still need to resolve.
Compare affordable protection
Review limits, deductibles and payment terms alongside an affordable quote.
Read guideCheck urgent coverage timing
Separate the application, effective date, policy issuance and document deadline.
Read guidePrepare lease documents
Review the issued evidence and the property manager’s submission instructions.
Read guideUnderstand why premiums differ
Look at rating factors, coverage selections, valuation and billing terms.
Read guideRead the lease requirements
Separate the general state rule from the coverage conditions in your agreement.
Read guideCity coverage pages
Choose the page matching your rental address for local household and lease guidance.
Houston renters insuranceView local coverageDallas renters insuranceView local coverageSan Antonio renters insuranceView local coverageAustin renters insuranceView local coverageFort Worth renters insuranceView local coverageEl Paso renters insuranceView local coverageArlington renters insuranceView local coverageCorpus Christi renters insuranceView local coverage
More city pages in North and West Texas
Plano renters insuranceView local coverageLubbock renters insuranceView local coverageAmarillo renters insuranceView local coverageIrving renters insuranceView local coverageGarland renters insuranceView local coverageGrand Prairie renters insuranceView local coverageFrisco renters insuranceView local coverageMcKinney renters insuranceView local coverageDenton renters insuranceView local coverage
Questions before your next step
Does every tenant have to buy a policy?
State law does not generally require every tenant to buy coverage, but a landlord may make it a lease condition. Read the agreement and coverage addendum for the actual requirements that apply to the residence.
Does the landlord’s policy include my belongings?
Building protection generally concerns the owner’s property. A tenant policy may address personal belongings, liability and eligible additional living expenses after covered losses, subject to its limits, conditions and exclusions.
Are unrelated roommates automatically protected?
No. Confirm the provider’s named-insured rules and what each person’s lease requires. Sharing a unit or splitting the payment does not by itself establish identical protection for every adult.
When will proof documents be available?
Availability depends on provider approval, payment and issuance. Check the applicable effective date and the property manager’s submission instructions before relying on the document for a move-in or renewal deadline.
Is flood damage part of standard tenant coverage?
Standard policies generally exclude flood damage. Ask about separate flood protection and read the selected policy’s covered causes of loss, water-related exclusions and deductible provisions.
What should I compare besides the price?
Review belongings and liability limits, deductible, valuation terms, exclusions and item sublimits. Check that the selections fit the household and the lease instead of choosing solely from the amount due today.
Can students check a parent’s existing protection first?
Ask about any existing coverage and its limits before relying on it for an off-campus home. The lease and provider may still require particular insured names, liability amounts and proof for the actual rental address.
Can I get agency help with an online purchase?
Yes. Insurance Plus serves households throughout the state at 214-351-4097.
Ready to review your coverage choices?
Keep the lease details handy, check the effective date and continue through the secure provider portal.