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Written by Adam Miller
InsurTexas can assist residents throughout the greater Houston area with affordable renter's insurance that helps you in your time of need.

In the greater Houston area, there are thousands of residents and their families who are currently renting apartments, townhomes, condominiums and rental houses all throughout the city. Many people rent as they save and prepare for an eventual purchase of a home, or they rent because they enjoy the benefits of having no property maintenance, lower utility costs and nearby amenities like pools and exercise facilities. However, a large percentage of renters do not realize they have left themselves extremely vulnerable in the event disaster strikes by not having renters insurance. Some people forgo renters insurance fearing high costs, or believing it would not really help in the event of a major catastrophe. However, these common misconceptions leave renters unprotected and unprepared, when in reality, renters insurance is a smart, affordable protector in your time of need.

First, many renters do not understand that in the event of a disaster such as a fire, building damage due to severe weather, or other structural damage, renters insurance is their only form of financial protection to cover their losses. Landlords are normally required to have insurance coverage, but their insurance policies typically cover only damage to the actual structures, so any renter's possessions, furniture, jewelry or electronics damaged or lost is not covered. This means that residents without renters insurance have no way to recover the value of what has been lost, leaving them out tens of thousands of dollars. Many renters that are victims to major loss have no way to replace even half of their possessions, but renters insurance can quickly help residents recover the value of their lost or damaged possessions when they need it most.

In addition, many renters are unaware that renters insurance can also protect them in the event of a theft, which unfortunately is more common than a fire or other catastrophic weather event. Thieves can quickly burglarize an apartment, townhome or rental property without being detected, but renters insurance can ensure that the value of the stolen goods can be quickly replaced. Although a burglary will leave residents shaken and unsettled, knowing their lost possessions can be quickly and easily replaced offers renters peace of mind.

Finally, renters insurance is one of the most affordable and beneficial kinds of insurance policies a person can have, since it provides a great deal of financial security for a low premium. In addition to protecting you in the event your possessions are lost due to fire, theft or other disasters, renters insurance can also provide liability coverage in the event someone is injured in your rental property or if you accidentally damage someone else's property. For example, renters insurance can help if your bathtub overflows and the water leak damages a downstairs neighbor's property. The small cost of renters insurance is a great asset to have because of the many personal protections it offers during your time as a renter.

If you are interested in protecting yourself and your personal property while you rent, contact the renter's insurance experts of Aegis. Their knowledgeable and friendly agents can help you get affordable renters insurance that protects you and your property in the event of any kind of situation. Contact Aegis for more information, or get an online quote today.

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