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Coppell, TX 75019

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Texas Insurance Blog

Do I Need To Get Renters Insurance If I Live With Roommates?

Living with roommates is an excellent way to cut down on your living expenses like rent and save more money. At David King Insurance Services LLC, we have many Coppell, TX, residents who ask us whether they need renters insurance if they live with roommates. Renter’s insurance covers your personal items as a tenant, and here is what you should know.

It’s Best to Get Individual Renter’s Insurance

If you live with roommates, you still need renter’s insurance, and it’s best that you get your individual renters’ policy. You will need to take an accurate inventory of what items belong to you in the house and present that to the insurer. If you take an individual renters insurance, it won’t cover any other property in the house that doesn’t belong to you. This is because the policy will be priced to cover only the risk to your items. Never share or add your roommates to your renter’s policy. This will save you from the woes of sharing a policy with some.

The Risks of Adding Roommates to Your Renter’s Insurance

Depending on your insurance provider, it can be possible to add your roommates to your renter’s insurance, although this isn’t advisable. This is because if any of the roommates file a claim and you don’t, the claim will still reflect on your claims history. Therefore, your claims history will show that you regularly make claims even though you don’t. This will result in higher premiums for your renter’s insurance. Additionally, if you share a renters insurance with your roommates and one of them misses a premium payment, this can make the insurer increase the premiums for all of you. This will also tarnish your insurance record and result in higher premiums in other coverages.

Are you seeking renter’s insurance in Coppell, TX? The insurance experts at David King Insurance Services LLC are ready to help you. Call us today.

Should I always get renters insurance when renting a home in Texas?

Moving to the Coppell, TX area can be a great option for many people. Those that are going to move into this area may find that renting a home is an ideal housing option for a period of time. If you are looking for a new home to rent, you should also get a proper insurance plan. You should always have renter’s insurance here for a few reasons. 

Coverage Will Ensure Lease Compliance

A reason that you should always keep renters insurance is so you can stay in compliance with your lease obligations. Most landlords in this area of Texas will require their tenants to get proper insurance as it will offer protection for both the tenant and, indirectly, the property owner. As a lease term is typically one year, landlords may require you to obtain a plan that is paid for in advance and covers the full terms. 

Insurance Will Protect Tenants

Having renters insurance is a good idea even if you are not required to carry it. A tenant will take on some liability risk that could result in a claim if an accident causes damage to the property or injuries to another person. They also will keep personal items in their home, which they will want to have covered. A renter’s insurance plan will protect against these risks. 

Renters in the Coppell, TX area will always want to know that they have the proper insurance in place. To ensure you are picking the right insurance plan for your situation, it would be wise to call David King Insurance Services LLC. There are a lot of factors to consider when looking for coverage and David King Insurance Services LLC can ensure you choose a plan that is ideal for your situation. 

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