Renters Insurance From a Local, Independent Advisor
Whether you rent an apartment near the Denton Square, a house in Corinth or student housing near the University of North Texas or Texas Woman's University, renters insurance (also called an HO-4 policy) protects the things you own and the liability you carry.
Many apartment communities in North Texas require proof of renters insurance before you move in. Trailmark makes it easy to get a policy quickly, and bundling it with your auto insurance can often lower your total cost.
What Renters Insurance Covers
Personal property
Covers clothing, furniture, laptops, phones, bikes and more against fire, smoke, theft, vandalism and certain water damage, even when they're away from home.
Personal liability
Protects you if a guest is injured in your apartment or you accidentally cause damage, like a kitchen fire that spreads to a neighbor's unit.
Loss of use
Pays for temporary housing and extra living costs if your rental becomes unlivable after a covered loss.
Medical payments to others
Covers small medical bills for guests hurt in your home.
Replacement cost option
Pays to replace items with new ones instead of their depreciated value.
Renters Insurance for Students and Young Professionals in Denton
Denton is home to the University of North Texas and Texas Woman's University, and thousands of students rent apartments every year. A laptop, gaming system, bike and wardrobe add up fast.
A parent's homeowners policy may offer limited coverage for a student living away from home, but it often comes with low limits and a high deductible. A renters policy in the student's own name is usually simple and affordable. Read our renters insurance guide for UNT and TWU students.
Ways to Save on Renters Insurance
- Bundle renters with auto insurance
- Choose a higher deductible
- Monitored smoke detectors and security systems
- Pay in full or enroll in autopay
- A claims-free history
Renters Insurance FAQs
How much does renters insurance cost in Texas?
Renters insurance is one of the most affordable types of coverage. Your price depends on how much coverage you choose, your deductible, your location and your claims history. We'll compare options and show you exact quotes for free.
Does renters insurance cover my roommate?
Usually not automatically. Each roommate should typically have their own policy unless they're a relative living with you. Ask us how your carrier handles roommates.
Is renters insurance required in Texas?
Texas law doesn't require it, but many landlords and apartment communities require it in the lease. Even when it isn't required, it's an inexpensive way to protect your belongings and liability.
