You should obtain renters insurance to provide protection for your personal belongings in case of burglary, fire, natural disasters or other catastrophes. The property owner’s insurance does not cover your personal belongings against loss. Renter’s insurance can also help if you are liable to the owner and others for certain acts that are normally covered by insurance policies. For more information, contact your insurance agent or the Texas Department of Insurance.
When the Owner Can Enter the Unit
Check your lease for provisions outlining when the owner or manager may enter your unit, regardless of whether you are home.
Some reasons may include:
- Responding to repair requests
- Preventative maintenance
- Showing the dwelling to prospective buyers or renters, and
- Responding to health or safety concerns