If you want to get a new start on life and are looking for a place to move to, you should consider Houston. The biggest city in Texas is famous for its hospitality, crazy nightlife, and diverse cuisine. If you can survive the heat and humidity, you will get to meet lots of urban cowboys, enjoy great food every weekend, and jam out to the hip-hop culture. Figuring out an apartment also shouldn’t be that hard – real estate prices in Houston are relatively reasonable.

Alright, you got an apartment, so what’s next? I am sure as a responsible adult, you have heard all this talk about renters insurance. Sure, the reckless broke college student in you might say not to worry about it. Allow me to disagree with that part of your personality; renters insurance is vital for anyone who wants to plan their finances responsibly.

If you want to get started, you can get a quote for renters insurance in Houston in 2 minutes on Bungalow. No one makes it easier! Not convinced you need renters insurance in Houston? Read on to learn why you probably do!

Why you need renters insurance in Houston

Could you afford to replace all your stuff if your apartment burned down or was damaged in a storm? Renters insurance covers both cases – and much less dramatic ones!

Also keep in mind that Houston, despite all of its cultural appeal, still has crime like every major city. Renters insurance will protect you from theft and vandalism. Don’t believe us that renters insurance is worth it? Check out why the New York Times recommends purchasing renters insurance.

Additionally, many landlords now require that renters buy insurance in Houston. This helps both the landlord and the renter!

If your landlord already has insurance, do you need to buy renters insurance in Houston?

Your landlord’s insurance only covers the building you live in, not your belongings inside. That’s what renters insurance is for! Can you imagine buying new furniture, laptops, and clothes out of your pocket if your apartment burns down? For just a few dollars per month, renters insurance will replace your belongings if they are lost or damaged.

What else does renters insurance cover besides my property?

Renters insurance also has the following coverages:

Personal Liability – This will help cover your costs if you accidentally hurt someone or someone’s property and get sued as a result. A typical amount is $300,000.

Medical Coverage – This will help pay for medical expenses if someone is hurt on your property. Insurance companies provide this to help avoid lawsuits. A typical amount is $3,000.

Loss of Use – This will pay for a hotel or somewhere else for you to stay if you something happens to your apartment. A typical amount of coverage is $5,000.

With all these coverages, it’s no wonder that US News says you can’t afford to skip buying renters insurance.

Is renters insurance expensive or hard to buy?

Hopefully by now, you would agree that renters in Houston should have renters insurance. So what’s stopping you? Many people think that renters insurance is too expensive. Luckily for you, that’s just a common misconception. Renters insurance in Houston typically costs $15-$25 dollars per month. Most people will spend that much this month at any of the new hipster coffee shops popping up all over town. Not so bad, huh?

What else? Getting renters insurance is boring and complicated, you say. Well, here you got me. Generally, getting renters insurance is a somewhat tedious process. With most companies you’ll my have to speak to an agent over the phone or in person. But that is exactly why we created Bungalow – to make buying renters insurance quick and easy, right online.

Now you have no excuses stopping you from getting a renters insurance. Get a free quote today 

If you have additional questions about renters insurance, check out our more comprehensive Millennial’s Guide to the Best Renters Insurance.