Renters Insurance

Within 50 miles of Zavalla, Texas, over 2021 extreme weather events occurred between 1950 and 2010. Since 2010, statewide damage from extreme weather events has only increased. For example, in 2017, 21 properties in Zavalla, Texas, experienced flood damage due to Hurricane Harvey, and fifty additional properties share a 26% chance of future flood damage. Finally, 2022 claims the dubious honor of being the 20th driest year of the past 128. As a result, renters need as much protection from property loss as homeowners expect.

Homeowner's Policies Provide No Protection to Renters

While homeowner's insurance protects property owners, renters have none, but we can change that at Lawson Insurance Agency of Texas. Your landlord's homeowner's insurance policy protects the building, not the personal belongings and furniture it contains. Instead, a renter's insurance policy will cover either the current retail value or the expected replacement value of all your belongings, depending on the coverage and deductible. Although Georgia law does not require renters to purchase renter's insurance, it permits landlords to require a policy as a lease term.

Policy Features

In addition to providing replacement funds after a natural disaster, most policies cover break-ins. For example, suppose your unit becomes uninhabitable. Then, if you must stay elsewhere, most policies pay your expenses above your usual monthly rent until completing all necessary cleanup and repair.

Coverage Limits

Before selecting your policy, calculate the value of what you own. For example, replacing a video game collection will cost more than you might expect, even if you bought it used. Save receipts and photograph everything you own, or do a walkthrough video of your apartment, updating it from time to time. At Lawson Insurance Agency, we will use the information you provide to ensure that your policy will cover the total replacement value.

Call Lawson Insurance Agency for a free renter's insurance quote. Our agents stand ready to help you with all your renter's insurance needs.