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Replacing Renters Insurance

Key Points

  • Consult with a state-licensed property insurance agent for free help to replace your Texas renters insurance policy.
  • Use a quote and comparison worksheet to shop for replacement renters coverage.
  • Start the new coverage before terminating the existing policy.
  • Top reasons to switch renters insurance companies include relocation, increased property value, better deals, or poor service from the insurer or the agent.

How Do I Switch My Renters Insurer to Another?

To switch your renters insurance provider to another, you first need to identify another company offering what you need. You can use the helpinsure portal to find another insurer that meets your needs. Once that is done, send a notice to your current insurer seeking to terminate your insurance policy and initiate a discussion with the prospective. Your best option is to switch renters insurers with the help of a Texas-licensed property insurance agent. A knowledgeable property agent can handle the process and make it almost seamless, saving you time and stress.

How Can I Replace My Renters Insurance?

You can replace your renters insurance policy by informing your insurance provider. via mail, telephone, email, or in-person visits. However, it is advisable to consult with a Texas-licensed property insurance agent to help you with the renters insurance replacement process.

How Can I Replace My Renter Insurance If I Find a Better Deal?

To replace an existing rental insurance with a better deal, the first step is to find a better deal than the existing one. To find a better deal take the following steps:

  1. Research locally available renters insurance plans available in Texas.
  2. Compare prices, coverages, contract terms, clauses, and exemptions of the policies.
  3. Once you have found a deal that you like, fill out an application for a new coverage to the insurer, submit the application and make corrections where appropriate.
  4. Only cancel your coverage when you have another one in place to ensure that there is no gap in coverage.

To ensure a smooth research, you can do any of the following:

  • Contact a knowledgeable, Texas-licensed property insurance agent. The agent will have a deeper reach within the industry and will have better knowledge of discounts and deals available in the insurance industry. Agents also come at no cost, thus leveraging on agents to find a better deal is a no-loss option.
  • Conducting Self-research. You can also conduct a research on the best possible deals by yourself. You can make use of the helpinsure portal provided by the Texas Department of Insurance during your search.

After going through deals and finding a better deal, apply for new coverage and get it activated, prior to canceling the existing coverage. Avoid having gaps in coverage. Your property insurance agent can handle all the paperwork and the entire process.

Can I Switch My Renter Insurance to Another Company?

Yes, you can switch your renters insurance company to another. The reasons you may want to switch include:

  • If you have just moved to a new rental property outside of the geographical areas or zip code boundary covered by your insurance provider
  • If the value of personal properties in your rental property has increased beyond what is allowed by your current insurance provider
  • If you find a cheaper deal with all the coverage you need
  • If your insurance provider consistently serves you poorly

It is advisable to contact a Texas-licensed property insurance agent for counsel before switching your insurer to another.

What Happens If You Change Renters Insurance Companies?

When you change renters insurance companies often there will be some minor changes. Some of this changes include:

  1. A new contact person - Your renters insurance company will assign you a contact person different from your previous insurer.
  2. New policy terms - You will also receive new policy terms depending on your geographical location and zip code boundary within Texas, different from your previous policy term. Your premiums, deductibles, and other details might change in the new policy details.
  3. New user interface - You will also have access to a membership website, user application and user portal different from your former one. This is because your new insurer will have a different user interface than your former insurer.

Still, before making any changes to your renters insurance company, consult with a knowledgeable and licensed texas property insurance agent.

Can I Change Renters Insurance Companies at Any Time?

Yes, you can change your renters insurance company at any time. However, if your insurance history shows you consistently switch insurance companies, insurers may be reluctant to take you on as a client. Still, contact a Texas-licensed property insurance agent before changing your renters insurance company.

What is Covered by Renters Insurance - a Detailed Texas Guide

How Much is Renters Insurance in Texas?

Do I Need Renters Insurance in Texas? - FAQ

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 Cancel Renters Insurance


Renters insurance quote comparison worksheet (PDF)