RENTERS INSURANCE

Renters Insurance: Protecting What Makes Your Space a Home

When you rent a home or apartment, it’s easy to assume that your landlord’s insurance covers everything — but that’s not the case. If a fire, theft, or plumbing disaster damages your belongings, your landlord’s policy only covers the building, not what’s inside it.

That’s where renters insurance comes in. It’s designed to protect your possessions — from furniture and electronics to clothing and valuables — so that if the unexpected happens, you’re not starting over from scratch.

At CasaBlanca Insurance, we help Texans understand how renters insurance works and why it’s one of the most affordable ways to protect your peace of mind.

Why Renters Insurance Matters

Imagine this: a fire breaks out in your building, or a pipe bursts in the middle of the night. You escape safely, but your clothes, furniture, and electronics are all damaged or destroyed.

Without renters insurance, you’re responsible for replacing everything — out of pocket.
With it, you can recover faster and worry less.

Renters insurance protects you from:

• Fire and smoke damage

• Water damage from plumbing issues (not flooding)

• Theft or vandalism

• Wind or storm damage

• Liability if you accidentally damage your rental or someone is injured in your space

It can even help pay for temporary housing if your apartment or rental home becomes unlivable after a covered loss.

What Many Renters Don’t Realize

Most renters are surprised to learn that:

• Their landlord’s insurance does not cover personal belongings — even if the building is destroyed.

• They are legally and financially responsible for damage they cause to the property (for example, if a candle starts a fire or water overflows and damages another unit).

• Renters insurance is often required by landlords or property management companies — but even when it’s not, it’s one of the smartest financial decisions you can make.

Renters insurance acts as a safety net — protecting not just your things, but also your financial well-being.

What’s Typically Covered

Every policy is different, but most renters insurance includes three main types of coverage:

1. Personal Property Coverage – Reimburses you for damaged, stolen, or destroyed belongings.

2. Liability Protection – Covers legal or medical costs if someone is injured in your rental or if you accidentally damage someone else’s property.

3. Additional Living Expenses – Pays for hotel stays or temporary housing if you can’t live in your rental while it’s being repaired.

For extra protection, you can add coverage for high-value items like jewelry, collectibles, or electronics.

Affordable Protection, Big Peace of Mind

The good news? Renters insurance is one of the most affordable types of coverage available — often costing less than a dollar a day. That small investment can make a huge difference when life takes an unexpected turn.

At CasaBlanca Insurance, our agents take the time to explain your options, compare policies, and make sure you’re getting the right protection for your needs and your budget.

Because your home may be rented — but your peace of mind should be all yours.

Let’s Protect What Matters

Whether you’re renting your first apartment or managing multiple rental properties, renters insurance is a simple step toward security.

💬 Talk with a CasaBlanca Insurance agent today to find out how renters insurance can protect your belongings, your finances, and your future.