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Based on 1,391 reviews
Daniel was so great to deal with. Precise, and very informative!
Moon Child Enterprises Llc
Excellent customer service quick response to my needs.
Anthony did a thorough job on answering any of my questions during my interactions with him. Everything went smoothly, thank you.
They were excellent. Worked with us. Saved us quite a bit of money on our home owners policy. Would highly recommend them.
Anthony did great with helping me with my home insurance!
My house is in an area where it is difficult to find any insurance company that is willing to provide insurance but TGS got it done easily and with no hassle. The rate was the best that I could hope for as well. Also, the insurance that they set me up with has a nice online portal in order to manage the policy and access documents. I highly recommend TGS.
I needed home owners insurance and they got me a bundle with All-State on my auto insurance also and saved me over 1000 dollars. Aldo Guerrero is the guy to talk to.
Daniel was terrific, he pulled a rabbit out of the hate!
Theodore And Delia Garza
I requested a quote for homeowners insurance from TGS on the web, and within a few minutes, I received a call from an agent. We discussed my needs briefly, and while I was on the phone, I had a quote that was roughly 1/4 of the price my old insurance company was charging. Needless to say, I changed companies, and the TGS agent took care of the process start to finish. I highly recommend using TGS for homeowners insurance.
It was quick and easy to get approve and get a quote
My experience has been wonderful and my agent serinthia brown has been amazing.
Texas Renters Insurance
Renters insurance is a severely overlooked coverage. A study by Progressive, one of our carriers, estimates that only 37% of renters carry proper renters insurance. That’s a whopping 63% of the renting population that is leaving themselves vulnerable to major expenses due to circumstances completely out of their hands. It is a common misconception that renters insurance is not necessary because the landlord should have insurance. However, it is important to remember that while the landlord does hold insurance for the property, everything inside the walls is yours and needs to be protected by you. Texas renters insurance is an inexpensive option that can not only provide you with peace of mind during a catastrophe, it is there to protect your possessions and protect you from liabilities, including potential lawsuits.
What Does Texas Renters Insurance Cover?
Typical renters insurance coverage includes:
- Renters Personal Property Coverage: This coverage protects your personal belongings, from furniture to TVs to cell phones, etc, against loss or damage caused due to a covered peril such as a fire. Your belongings are covered no matter where they are- even if you bring them outside your residence to a friend’s.
- Renters Personal Liability Protection: This coverage protects you in the case that someone is injured on your property, from medical costs to potential lawsuits.
- Additional Living Expenses: This coverage will pay your additional living expenses if you are unable to live in your home or apartment due to a covered loss
How Much is Renters Insurance in Texas?
In Texas, the average renters insurance policy costs $15/month. However, the actual cost of your renters insurance is dependent on many variables including the amount of coverage you will require, the value of the things you wish to insure, the location of the home or apartment you are renting, your credit score, and more.
Is Renters Insurance Required in Texas?
No, renters insurance is not required by law by the state of Texas.
Although renters insurance is usually voluntary, some landlords may require it as a condition for leasing their property. This helps landlords limit their liability and keep their tenants protected; however, voluntary renters insurance is a great value in and of itself.
Relative to many other types of insurance, renters insurance is an inexpensive option that can come in handy during some of the darkest times of your life. Nobody enjoys thinking about negative forces working against them; however, with over 1.6 million home invasions a year, among other startling statistics involving robberies, more than 358,000 fires every year, and other destructive forces around us, renters insurance can help limit the aftermath should tragedy come your way. If you consider the cost of replacing all of the things you’ve worked hard for due to an unfortunate peril, it starts to add up very quickly. It’s easy to see how a good renters insurance policy can save you from financial and emotional distress in your time of need.
How To Get Renters Insurance
The independent insurance agents at TGS Insurance Agency are here to find you the best plan available that fits your customized needs at the absolute best price. We will work with you to determine your needs and then do the heavy lifting by searching our many a-rated carriers to find you the best deal. You can even bundle your renters insurance with other policies for added savings and discounts.
Texas Renters Insurance FAQs:
Can my landlord require renters insurance in Texas?
Yes, in the state of Texas your landlord is allowed to require renters insurance.