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Allen, TX 75013

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What Happens With Renters Insurance if Your Landlord Changes Their Policy?

Renters insurance is an excellent option for those who are staying long-term in a rented home. However, this situation may be confusing to some if their landlord suddenly changes their coverage. Does this affect you? Here’s what we at Texas Independent Insurance have to say for Allen, TX renters.

Your Policy Should Be Unaffected 

When your landlord changes their homeowner’s insurance policy in any way (either towards more or less coverage), your renter’s policy should remain unaffected. Why is that the case? The two policy options are not connected. A homeowner’s insurance on a rental property covers:

  • The exterior of the home and its structure 
  • All permanent structures inside the home 
  • Lawn elements and detached garages
  • Anything else the renter does not own 

By contrast, a renters policy is designed to protect anything inside the building that you own. Note that your landlord’s policy WILL cover damage to your vehicle if damaged by trees falling in a storm because of liability coverage. But your renter’s policy covers: 

  • All items you brought to the house 
  • Appliances you installed in the home 
  • Goods and things you put in the house

In a sense, the value of the exterior of your rented home is irrelevant to your interior value, meaning that a change in one does not affect the other. But you may need to talk to your agent to ensure that you are satisfied. In this way, you’ll protect your home and your investment at the same time.

Reach Out to Us Today 

By working with our team at Texas Independent Insurance, you can provide your rented home with the protection it needs. So if you live in the Allen TX, area, call today to learn more about how we can help. We’ll do what we can to make sure that you’re satisfied with your needs.

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