up button arrow
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Do I Need Renters Insurance in Texas? - FAQ

The most commonly asked questions about the need to get renters insurance in Texas:

Do I Need Renters Insurance If I Have Homeowners Insurance?

Renters insurance is typically required if you are a tenant of a property because it is required to protect your personal belongings from covered perils. You do not need homeowner insurance as it does not apply to you. Contact a state-licensed Texas insurance agent to learn more about your renters insurance coverage options. \

Use the quote comparison worksheet to help in selecting the right coverage based on your needs.

Do I Need Renters Insurance If I Live With My Parents?

You do not need renters insurance if you live with your parents and they have their own renters insurance. The renters insurance policy covers the policyholder's property and their relatives who live in the same insured apartment. Renters insurance policy also covers you if you are a college student that lives on campus but returns to your parent’s house during holidays.

Do I Need Renters Insurance If My Roommate Has It?

Yes. You will need to have your own personal renters insurance. Renters insurance only covers the policyholder and their family members that live in the same home. However, your roommate can get you endorsed on their insurance policy, but they can remove you from the policy without notice in this instance. On the other hand, your roommate can include you as an equal partner in the policy, which means you cannot be removed without notice but will be jointly liable for any claims made by the roommate.

Do I Need Renters Insurance If I Live With My Boyfriend?

Yes, you will need your own renter's insurance if you live with your boyfriend because renters insurance is typically only available to policyholders and their relatives and dependents who live in the same house. However, some insurance policy providers might be willing to provide joint coverage for you and your boyfriend.

Do I Need Renters Insurance If I Rent A Room?

Yes, you will need renters insurance if you rent only a room because the homeowner or landlord’s insurance will not cover your property or belongings in the event of a peril. Renters insurance covers all your possessions from damage and theft. Hence, if you rent a room that does not have adequate homeowners or renters insurance, you will need to get your own renters insurance coverage.

Do I Need Renters Insurance If I Rent A House?

Yes, you need renters insurance because even if the house is insured with landlord insurance, your property is not protected from damage or perils. The landlord insurance is particular to the owner of the property and protects the structure and property of that individual. If you want to have your property protected, you will need to have your own form of insurance.

What is Covered by Renters Insurance - a Detailed Texas Guide

How Much is Renters Insurance in Texas?

How to Buy Renters Insurance

How Are Renters Insurance Claims Handled in Texas?

How to Pay for Renters Insurance

How to Make Changes to Renters Insurance

How to Replace Renters Insurance

How to Cancel Renters Insurance


Renters insurance quote comparison worksheet (PDF)