I just recently moved into a new apartment (my first apartment by myself) and the people at the leasing office told me that, if I wanted to install a satellite dish for satellite TV, I needed minimum $25,000 insurance. The woman told me renter's insurance usually covered that much. I have a small 1 bedroom apartment that is about 605 sq. ft. and I pay $440 a month on it...would anyone here be able to give me a ballpark figure as to how much renter's insurance is for a pad like that? I did some net research, but everywhere I went either said that they didn't give online quotes for Texas or that they would email/call me, and I have heard nothing back yet. Since I have to be here at work until 8AM anyway, I was hoping someone might be able to help me sooner. Thanks in advance if anyone knows.
It'll be hard to find renter's insurance in Texas right now, as that falls under "home" policies. My agent is State Farm, and I ran into this same problem. Since the floods during Allison and all the other disaster crud, they got wussified and stopped insuring even good long-time customers. I've had Auto, Life and formerly a Home policy with them since tyhe '70's. It made no difference. Have you tried All-State? I hear they may still do it. They are linked to the SEARS finacial network.
I'll give All State a shot. I think I tried their website and it didn't say they wouldn't do it, just that online quotes weren't available over the website. Thanks for the response.
In the past we have encouraged our daughter to get it. It seems it was relatively cheap (< $20.00/month).
I just got renter's insurance for my apartment. Ran me ~275 dollars for the year and it covers $30,000. I live in the galleria area. Hope this helps. I also had no problem getting it.
I pay $9/ month for renter's insurance on a 1-1 through Allstate. It's cheaper because I do my auto insurance with them as well.
I have $20k through State Farm for around $10 a month. I'm not so sure that they're not giving out renter's insurance though. I just got a flyer from my agent saying that since I have my renter's policy through them, then they'll still issue a homeowner's policy to me. I think it's worth giving State Farm a shot. When my car got broken into in Dallas, I had a check from them in two days covering my losses.
A friend of mind in Tampa, FL had her apartment burn down a couple of years ago through no fault of her own. In fact, it was over the Thanksgiving holidays and she was out of town. Renters insurance would have come in handy, especially if it's only a few dollars a month.
I had to do this in ABQ, NM for the apt. I'm in now, but my own insurance agent said that was way too high...I got insurance, which you should get anyway in case of fire, theft, etc., but I didn't get the coverage the apt. suggested... I gave them my paper work and they didn't say a word (knock on wood)...
I need to get some renter's insurance; last I heard, State Farm would do it. It's not that expensive. However, right now I don't live anywhere near my insurance agent. Do they have to take a look at the property you're renting? If so, I guess I'd better find somebody in this town (which is not very big). I should get around to it.
I've never had anyone look at my apartments. You just tell them the address and give them as much info you can (year made, what it's made of, etc.), but they can get most of the info through the county tax assessor's office. I've had the same agent since 2000. Even though I've moved around from Austin to Dallas to Houston, I've kept my same one in Austin.
What RM said basically. I have my townhouse insured for about 15 bucks a month, which I split with my 4 roommates. So it works out quite nicely. You can't put a price on peace of mind. Before we got it, I was always worried some drunken fool was going to break our HDTV.
Here in Utah you can actually get renter's insurance and auto insurance together for cheaper than just having auto insurance. Guess we don't really have natural disasters here.
