Q1: Do I need renters insurance if my landlord has a policy?

Yes—your landlord’s insurance only covers the building, not your personal belongings or liability. Renters insurance fills that gap.

Q2: What does tenant dwelling insurance cover?

It typically covers the structure, loss of rental income (if the home becomes uninhabitable due to a covered loss), and liability protection for the landlord.

Q3: Is renters insurance expensive?

Not at all. In Texas, policies are usually very affordable—often under $20 per month. And for the value it provides, it's worth every cent.

Q4: What’s the difference between tenant dwelling and vacant dwelling insurance?

Tenant dwelling is for homes that are actively rented out. Vacant dwelling covers unoccupied homes, which pose different risks and require specialized protection.

Q5: Can I bundle renters insurance with auto?

Absolutely. Bundling often leads to discounts—ask us about combining your renters and auto coverage.

Q6: How fast can I get a policy in place?

Very fast. We’ll walk you through a quick quote and get your coverage active the same day in most cases.

Renters & Tenant Insurance in Texas

Coverage that protects your space—no matter who owns it.

Rent with Confidence, Live with Peace of Mind

Whether you're leasing an apartment, managing a rental property, or insuring a vacant home, protection matters. At Stieber Insurance Group, we offer flexible, affordable coverage that’s built for renters, landlords, and everything in between. From lost belongings to liability concerns, we’re here to help Texans cover their bases.

Get your free renters or dwelling policy quote today.

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What’s Covered in a Renters or Tenant Insurance Policy?

Whether you’re living in the space or leasing it out, we’ll help you find the right fit with coverage that keeps you protected.

Renters Insurance

If you're leasing a home or apartment, this policy helps protect your personal belongings from fire, theft, vandalism, and more. It also includes liability coverage in case someone gets injured in your space.

Tenant Dwelling Insurance

Also known as landlord insurance, this policy covers the structure itself—not the tenant’s belongings—plus liability protection for property owners.

Vacant Dwelling Insurance

This specialized coverage protects homes that are temporarily unoccupied, such as during renovations or in between tenants. It helps safeguard against vandalism, fire, and other covered events.

Renters & Tenant Insurance FAQs

Q1: Do I need renters insurance if my landlord has a policy?

Yes—your landlord’s insurance only covers the building, not your personal belongings or liability. Renters insurance fills that gap.
Q2: What does tenant dwelling insurance cover?

It typically covers the structure, loss of rental income (if the home becomes uninhabitable due to a covered loss), and liability protection for the landlord.
Q3: Is renters insurance expensive?

Not at all. In Texas, policies are usually very affordable—often under $20 per month. And for the value it provides, it's worth every cent.
Q4: What’s the difference between tenant dwelling and vacant dwelling insurance?

Tenant dwelling is for homes that are actively rented out. Vacant dwelling covers unoccupied homes, which pose different risks and require specialized protection.
Q5: Can I bundle renters insurance with auto?

Absolutely. Bundling often leads to discounts—ask us about combining your renters and auto coverage.
Q6: How fast can I get a policy in place?

Very fast. We’ll walk you through a quick quote and get your coverage active the same day in most cases.

Let’s Make Sure You’re Covered

Renting or leasing doesn’t mean leaving things to chance. With Stieber Insurance Group, you get local support, responsive service, and the right policy for your situation—every time.

Get Your Free Renters or Dwelling Insurance Quote Today

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