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Coppell, TX 75019

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Texas Insurance Blog

Can Renter’s Insurance Cover Replacing Stolen Belongings?

For first-time renters and long-time renters, our agents at David King Insurance Services LLC in Coppell, TX are happy to answer every question under the sun about renter’s insurance. One of the biggest questions our team hears about renter’s insurance revolves around whether renter’s insurance covers replacing stolen valuables. If you’ve experienced a theft in your apartment unit, you probably don’t want to worry about how you’ll cover the items you lost. 

If you own some particularly valuable or sentimental items like family antiques or entertainment sets, you should figure out how you might replace them in the event of theft before the event happens. There’s no such thing as being too prepared, especially when disaster could strike at any time.

Can Renter’s Insurance Cover Stolen Belongings’ Replacement?

While every policy has its own terms and limits, most renter’s insurance policies cover at least some stolen belongings. For very valuable or large items like televisions, furniture, and expensive jewelry. 

Depending on the terms of your policy, you may not be able to cover everything that’s been stolen. You’ll need to pay your deductible before you can receive funds for the stolen items. For example, if you have a $2,000 television set that was stolen and your deductible is $1,000, you’ll have to pay your deductible, and then you can receive a check to help cover the stolen items based on the limits of your policy.

Since terms and limits can differ between policies, it’s best to check with an agent at our office before assuming that you’ll have coverage for specific instances.

We Are Here To Help

To protect the precious belongings in your rental unit, call our office at David King Insurance Services LLC in Coppell, TX to learn more about our renter’s insurance policies today!

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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