Texas Renters Insurance

If you rent a home or apartment in Texas having affordable renters insurance protection for yourself and your possessions is important, and in some cases is required by the landlord or apartment complex.

A-MAX offers affordable renters insurance that protects you in situations such as: fire, theft, water damage, and other unforeseen circumstances your landlord's policy doesn't cover. Renters insurance can provide coverage for not only the contents inside of your residence, but liability and medical protection for your guests that come over.

Quick Facts about Renters Insurance in Texas

  • Most landlords and apartment complexes require renters insurance.
  • Medical payments and liability coverage will pay out to only those that don't live with you.
  • Your personal property can also be covered away from the premises while on vacation.

Affordable renters insurance can provide protection for many different scenarios for just a few dollars a month. If the contents inside of your residence are damaged from a covered peril, you can file a claim to get your personal property replaced.

Renters insurance also comes with medical payments to help protect you if someone comes over to your residence and slips and falls, or gets injured. Your medical payments to others can help pay for their medical expenses. Even if a lawsuit comes out of an injury at your place of residence, the liability coverage on your renters insurance can help protect you.

Valuable Tip

It is important that you properly evaluate the correct value for all of your personal belongings before choosing the limits of your renter's policy. It is recommended to make an inventory for all of your belongings and keep that information in a safe place (like a fireproof safe or a safety deposit box away from their residence). In the event of a claim, it will be much easier for the insured to remember the items that are now missing if they are written down in a safe place.

IMPORTANT: Water Damage vs. Flood Damage

A common misconception is the difference between water damage vs. flood damage. A typical renters and homeowners insurance policy covers water damage, but does NOT cover flood damage. Flood damage must be purchased separately.


A flood is defined as a rising and overflowing body of water onto normally dry land. Generally, damage caused by water that has been on the ground at some point before damaging your home is considered flood damage. Flood damage to your home/place of residence can only be insured through a flood insurance policy.

Examples of Flood Damage:
1. A nearby lake or river overflows and causes a flash flood in your home.
2. A storm drain or sewer drain gets backed up and causes a flood through the patio on the first floor of an apartment building.


Opposite from flood damage, water damage is considered to occur when water damages your home before the water comes in contact with the ground.

Examples of Water Damage:
1. During a heavy rainstorm, water leaks through your roof onto your furniture, floor, etc., causing damage.
2. A pipe/hose from your washing machine breaks, causing water to leak, causing damage.

Cheap Renters Insurance Texas

Renters insurance is rarely very expensive, no matter what company provides it. We're dedicated to helping you pay as little as possible and still get the coverage you and your belongings deserve. A-MAX Insurance has been helping renters in Texas like you save money on renters insurance since 2002. We operate in 17 cities across the state and growing fast. Chances are that if you live in Texas we can help you save money on renters insurance.

We want to help you save money. Get a renters insurance quote today through our website or call us at 1-800-921-AMAX.

Are you overpaying for your insurance?