Houston Renters Insurance That Saves You Big Automatically
Renters insurance policies generally cover three main areas:
1. **Personal Property Coverage**: This protects your belongings, such as electronics, furniture, and clothing, from damage or theft. In Houston, where flooding is a concern, it’s wise to ensure your policy includes coverage for water damage.
2. **Liability Coverage**: This protects you if someone is injured in your rental property or if you accidentally damage someone else's property. Liability coverage typically starts at $100,000 but can be increased for additional protection3.
3. **Additional Living Expenses (ALE)**: If your rental becomes uninhabitable due to a covered peril, ALE covers the cost of temporary housing and other related expenses4.