Trusted Texas Coverage
Renters Insurance
Affordable protection for apartments, rental homes, and personal belongings.
Apartment or rental addressMove-in or lease deadlineRequired liability limit and proof delivery email
Get a Quote
Step 1 of 2
By continuing, you agree to our privacy policy.
Before you start
Have the important dates, documents, and contact details ready.
Before move-in
Does my landlord cover my personal belongings?
Usually no. A landlord policy normally protects the building, not your furniture, electronics, clothing, liability, temporary living costs, or the proof your apartment may require before move-in.
Have this ready
Apartment or rental address
Move-in or lease deadline
Required liability limit and proof delivery email
Auto policy if you want a bundle review
Reviewed by Argo's licensed insurance agency team. Last updated: June 14, 2026.
Who needs this?
- Apartment Renters
- Rental Home Tenants
- Students
- Drivers Bundling Auto and Renters
Expert Tip
"Your landlord's policy usually covers the building, not your belongings. Renters insurance can also help unlock auto bundle discounts."
Key Features
Personal Property Coverage
Liability Protection
Loss of Use
Bundle with Auto
What's Covered
CoverageIf your belongings are stolen
Personal Property coverage helps replace furniture, electronics, clothes, and other belongings after covered theft or damage.
CoverageIf someone is injured
Personal Liability can help with claims if someone is hurt in your rental or you accidentally damage someone else's property.
CoverageIf you cannot stay there
Loss of Use can help pay temporary hotel or food costs after a covered fire, storm, or other insured loss.
CoverageIf you bundle with auto
Many renters can lower their total insurance cost by combining renters and auto coverage with the same carrier.
Common Questions
Everything you need to know about this coverage.
What does renters insurance usually cover?
Renters insurance usually covers your personal belongings, personal liability, and extra living expenses if a covered loss makes your rental temporarily unlivable.
Does my landlord's insurance cover my belongings?
Usually no. A landlord policy normally covers the building, not your furniture, electronics, clothes, or personal property.
Can renters insurance lower my auto insurance?
Some carriers may offer a renters-auto bundle discount. Availability and total cost depend on the carrier, policies, drivers, property, limits, and effective dates.
How fast can I get renters insurance in Texas?
Timing depends on carrier eligibility, complete rental details, and accepted payment. Argo can help compare options and send proof after coverage is active.
Ready to get Renters Insurance coverage?
Get a free quote today. No obligation.