Renters Insurance in Fort Worth, TX
Your landlord’s insurance covers the building, not your belongings. Renters insurance protects your things, your liability and your living costs if you have to move out after a covered loss.
Why renters need their own policy
Many renters assume their landlord’s insurance covers their belongings. It usually doesn’t. A landlord’s policy typically covers the building and common areas only, not what’s inside your home.
What renters insurance covers
Personal property
Repairs or replaces your things after a covered loss such as fire, smoke or theft.
Liability
Protection if someone is hurt in your home or you accidentally damage someone else’s property.
Additional living expenses
Helps pay for a hotel, temporary rental and meals if you must live elsewhere during repairs.
Who is covered
A renters policy typically covers the policyholder and family members living with them.
- Roommates usually need their own policy for their belongings
- Some items, such as business equipment or firearms, may have coverage limits
- Review your policy when your possessions or living situation change
How much coverage you need
A simple way to decide:
- Make a home inventoryList your belongings and their estimated value.
- Add living costsThink about what it would cost to live elsewhere for a while.
- Check high-value itemsAsk whether jewelry, art or electronics need extra coverage.
How we help
- ListenWhere you live, what you own and your budget.
- CompareOptions and prices from the insurance companies we represent.
- Set it upWe help you apply and explain what your policy covers.
- Stay in touchHere for changes, claims questions and renewals.
Why work with us
- A local office at 109 E Rosedale St, Fort Worth, open Monday to Friday, with weekend appointments
- Licensed insurance agents: Crystal Schuder, Harley Schuder and Carolina Cox
- An independent agency, so we can compare more than one insurance company
- Free quotes with no obligation
- Help in English or Spanish
- Home, auto, life, business and Medicare under one roof
Carolina Cox on our team can help you in Spanish.
Renters insurance questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
Doesn’t my landlord’s insurance cover my things?
Usually not. A landlord’s policy typically covers the building and common areas, not your personal belongings.
What does renters insurance cover?
Your personal property, your liability if someone is hurt or you damage others’ property, and additional living expenses if you must move out temporarily after a covered loss.
Does renters insurance cover flooding?
Typically not. Flood and earthquake damage usually need separate coverage.
Does my roommate need their own policy?
Usually, yes. Each roommate generally needs their own renters policy to cover their belongings.
Can I bundle renters and auto insurance?
Many companies offer a multi-policy discount. We can quote both together.
Serving Fort Worth and Tarrant County
From our Fort Worth office we help clients in person, by phone and online across the Dallas–Fort Worth area.
What our clients say
Reviews from our clients on Google.
Great Job Harley and have a Happy New Year
He wanted to see what other insurances were available to him. Since he is receiving insurance through his retirement package she walked us through what questions to ask the human resource department.
Harley, has spent hours working with us over the past months. We highly recommend her!!!
Protect your belongings
Compare renters insurance with a licensed local agent. Free quotes, no obligation.