Renters Insurance

Big Spring, TX | Lubbock, TX

Even if you do not own a home, coverage is important to protect your belongings. As a renter, you may live with many other people in your building and accidents by other tenants can leave you with nothing. Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. We are a full-service independent insurance agency in the area. Our company can help residents all throughout Lubbock, Big Spring, and all the surrounding areas get the renters insurance they need.

What Insurance Does Not Cover

While coverage includes your things in many situations, there are a few instances where your belongings will not be covered. Most coverage policies do not cover floods, earthquakes or routine wear and tear. You can, however, contact us to buy separate policies for flood and earthquake damage.

If you are forced out of your home because of a disaster, a coverage policy will cover your additional living expenses.

Coverage policies pay the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.  Coverage also protects your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court. As a full-service independent insurance agency, we'll work with you to find the right coverage policy that fits your needs and budget.

How Much Coverage Will You Need?

When it comes to renters insurance, add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.As a full-service independent insurance agency, we treat all of our clients with the utmost care and respect when helping them find their ideal coverage.

If you rent an apartment or house in Big Spring, TX or Lubbock, TX you need a coverage policy to protect your belongings. While your landlord might have policies, it only protects the building. Your belongings are not covered under those policies. In addition to renters insurance, we can also provide coverage for your automobile, boat, and more. View all our coverage products and give us a call today to learn more.

Learn More About the Types of Coverage That We Offer: 

Automobile • Bonds • Business & Commercial • Farm • Flood • Homeowners • Life • Motorcycle • Recreational Vehicle • Renters • Boat