Renters Insurance in Odessa, TX

Renting a home or apartment comes with responsibilities, one of which is safeguarding the items that make your space feel like home. While your landlord’s policy may cover the building itself, it typically won’t cover your personal belongings or liability, making renters insurance essential.

At Five Star Insurance, we help Odessa, Texas, tenants find affordable, straightforward coverage that fits their lifestyle.

What Is Renters Insurance?

Renters insurance is a type of policy designed to help financially cover tenants from losses related to theft, damage or personal liability. Whether you’re renting a downtown apartment or a house in the suburbs, this coverage can support you in the face of unexpected events that may otherwise lead to costly out-of-pocket expenses.

What Does a Renters Insurance Policy Typically Cover?

As with any insurance product, your specific coverage depends on your needs and policy details. However, a standard renters insurance policy may include:

• Personal property coverage, which may help cover the cost of replacing belongings like electronics, furniture, or clothing damaged by fire, theft or other covered events
• Liability coverage, which may assist with costs if you’re found responsible for injuries to others or damage to someone else’s property
• Additional living expenses coverage, which may help with temporary housing costs if your rental becomes uninhabitable due to a covered loss

Why Do Renters Need This Coverage?

Living in rentals requires preparation for unexpected risks, from high winds and storms to apartment fires or break-ins. Without renters insurance, you could be left to replace everything out of pocket. Additionally, some landlords may mandate coverage. Regardless of your obligations, a policy is generally a smart option for both long-term tenants and short-term renters.

Talk to a Local Agent Today

Five Star Insurance makes it easy to explore your renters insurance options. Contact our office to get a free quote and find a policy that meets your needs and budget.