Renters Insurance

Big Spring, TX | Lubbock, TX

Even if you do not own a home, insurance 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. Pirkle Weir Insurance Agency can help residents all throughout Lubbock, Big Spring, and all the surrounding areas get the renters insurance they need.

What Renters Insurance Does Not Cover

While renters insurance covers your things in many situations, there are a few instances where your belongings will not be covered. Renters insurance does 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, renters insurance will cover your additional living expenses.

Renters insurance pays 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.
Renters insurance also covers 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.

Decide How Much Insurance You Need.

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.

If you rent an apartment or house in Big Spring or Lubbock, TX you need insurance to protect your belongings. While your landlord might have insurance, 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 insurance products and give us a call today to learn more.

Learn More About the Types of Insurance That We Offer: 

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