An insurance charge on a rental statement can look reassuring, but the label does not explain what it protects. Before comparing monthly prices, find out whether you have personal-property coverage for your belongings, liability coverage, or a different arrangement connected to the lease.

Your landlord’s building insurance is not a substitute for coverage of your possessions. The Texas Department of Insurance also warns that some liability-only renters policies do not pay for personal property. Choose the situation below that needs your attention first; if you are moving soon, use that option even if you already have a policy.

Do you currently have renters insurance?

Choose your current situation to review the right documents and coverage questions. If you are moving soon, use that option first.

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