Commonly, when people call us for Texas renters insurance, whether they live in Galveston, Corpus Christi, or Austin, they say they just want the bare minimum.
They think they have no personal property to insure. They might not own much, but they definitely have a reason to insure. It’s a reason that’s all over the news every time there’s a disaster or major fire, and a sad story that nearly everyone has heard.
After hurricane Ike hit Galveston back in 2008, Comcast billed customers for unreturned equipment as a result of the storm. While wind is often excluded from Texas renters insurance, the hurricane isn’t the only issue. Many people had homes that were unscathed by the hurricane itself, or only suffered external damage that’s the landlord’s problem, not theirs.
What would be covered, however, would be events occurring separately and apart from the storm itself. Obviously no one wanted to be in Galveston when the hurricane was coming through. So they locked their doors, ran for the hills, and hoped for the best.
It takes days or weeks to get back into an area that’s been struck by a storm like that. But not everyone evacuated. The few people left in Galveston? They had trucks and went around loading them up with other peoples’ things with impunity, stealing everything that wasn’t nailed down.
That act of theft would not have occurred but for the storm, arguably, but it’s a separate and distinct occurrence and a separate and distinct peril. Coverage likely would apply for the theft loss. Generally speaking, Comcast wasn’t actually billing people for the equipment, they were expecting people to pass the bill along to their Galveston renters insurance carrier who would then pay for theft losses and the like.
Any leased or rented equipment you have is your responsibility, whether for cable, satellite, or even a computer from Rent-A-Center. That means that if it’s stolen, you’re responsible for it. Inside or outside of Galveston renters insurance can help with those losses, which can be significant.
HD DVR $1,500
Cable Model $150
Leased Computer $2,000
Leased Furniture $10,000
As you can see, it adds up quickly given these examples. Renters insurance in Galveston is only a few dollars a month, and is a great way to protect you, your property, and the things you rent and lease that are in your apartment.