Texas Members Insurance AgencyAt Texas Members Insurance Agency, a United Heritage Credit Union partner, it is our sole purpose to make you feel like a member of our family. In doing so, it is our mission to protect your loved ones by offering you the best insurance coverage options at the most affordable price with service beyond your expectations.
Renters Insurance Information
How do you 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 as well as dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in a safe place away from your home.
If you rent an apartment or house, 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.
What happens if you are forced out due to a disaster?
If you are forced out of your home because of a disaster, your additional living expenses will be covered.
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.
What is covered with renters insurance?
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire, smoke, lightning, vandalism, theft, explosions, windstorms and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
We're here to help.
To speak to UHCU Insurance Services, LLC, give us a call at 512.435.4098
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM