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Written by Adam Miller
The Four Biggest Property Threats For Apartment Renters

Renting an apartment can offer significant benefits to individuals and families looking for a place to live. It might mean a shorter commute to work, closer proximity to better schools, access to amenities like swimming pools or gyms, additional shopping and entertainment options, or the ease of not having to handle property maintenance. However, apartment renting may also increase the likelihood of personal property damage to renters and their families. In today's Aegis blog post, we look at the four biggest threats to the personal property of apartment renters, and what can be done to better protect personal assets.


Theft of personal property is a growing problem in apartment complexes across the greater Houston area, regardless of their location or size. Burglaries are far more common in apartment complexes than residential neighborhoods because they offer easy access to many apartments all in one space. In addition, they often have older doors and locks, a lack of security features such as cameras or video monitoring systems, and dim walkways and parking lots. For these reasons, apartments are a popular target among thieves and other criminals.


Fire is one of the most dangerous and common threats to apartment renters, as they are a leading cause of personal property losses. All too often we see on the news stories of apartment renters who have lost all they own to a fast-spreading complex fire. In no time, they can quickly decimate an apartment and spread to nearby units and buildings, causing widespread property damage and personal injuries. This is especially true in older apartment complexes with outdated smoke detectors and no fire extinguishers nearby.

Vehicle Damage

Apartment renters don't just face threats to personal property inside their unit, but also outside as well. Vehicle damage is far more likely to occur in apartment complexes because there are more vehicles in close proximity to one another. This can mean an increased chance for dings, scrapes, vandalism, and theft of property inside or outside the vehicle. It's not uncommon for renters to find their vehicle has been broken into, their rims have been stolen, or their car has been keyed or vandalized in some other way.

Water Damage & Flooding

Sometimes renters living in the safest and most state-of-the-art apartment complex can still face threats to their personal property because of flooding or water damage. Renters can lose their property to flooding caused by heavy rainfall, or suffer water damage because of plumbing issues such as overflowing tubs or malfunctioning dishwashers. Either scenario can cause widespread damage to units and the personal property inside.

What To Do

Apartment renting can be safer and personal property can be better protected through just a few simple steps. First, make sure you keep a working fire extinguisher inside your unit at all times. It can help put out small fires and help with the evacuation of loved ones and neighbors. Also, apartment renters should make sure to secure their apartment and vehicles at all times by locking doors and never leaving personal property in plain sight. Finally, apartment renters should always ensure they have quality personal insurance in place, specifically Renter's Insurance, Auto Insurance, and Flood Insurance to protect the contents of the apartment.

Aegis Insurance & Financial Services is pleased to offer top quality personal insurance solutions to renters and residents across Texas, all with dependable coverage at competitive rates. Give the team at Aegis a call today at 713-850-7622 for more information, or fill out our online form to request a free quote!

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