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Is renters insurance required in Texas?
My landlord says I need renters insurance, but my friend says it’s not required. Who’s right? Is renters insurance required in Texas?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your friend and your landlord are both correct!
Texas
does not currently have a law that requires renters to carry insurance. In this respect, your friend is right. However, landlords are entitled to make this demand of their tenants. Your landlord can require that you carry renters insurance. They can even specify a certain liability amount. This could be a condition of your lease.
To know which situation applies to you, you should check your lease agreement.
If you need to carry renters insurance, it’s best to get a policy right away. Landlords can ask for proof of insurance at any time if it’s written in your lease.
Luckily, renters insurance is pretty affordable. For approximately $15 per month, you could have a renters policy that not only makes you compliant with your lease but gives protection to your stuff in case of an accident.
It’s smart to get renters insurance even if you are not required to have it. From insuring your laptop and furniture to liability protection, a renters policy is generally well worth the price if disaster strikes.
If you have any questions about
renters insurance
or even car insurance
, reach out to Jerry
. Our friendly agents are just a text or phone call away! The Jerry app is the fastest way to find a cheap policy, too. You can compare rates and sign up for a policy in seconds. Hope this clears things up!
MORE: Does renters insurance cover mold?
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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