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The Role of Renters Insurance in Texas Natural Disasters

The Role of Renters Insurance in Texas Natural Disasters

Texas – known for its wide-open spaces, booming cities like Houston and Austin, and unique culture – is also a state prone to a wide array of natural disasters, including:

  • Hurricanes: These powerful storms can cause significant damage along the Gulf Coast with high winds, heavy rains, and storm surges.
  • Tornadoes: Texas sees more tornadoes than any other state, with these destructive winds capable of leveling homes and uprooting trees.
  • Floods: From flash floods to overflowing rivers, water damage is a significant risk in many parts of Texas. Just look at Hurricane Harvey in 2019, which caused an estimated $51 billion in damages in the state.
  • Wildfires: Drought conditions can quickly turn Texas landscapes into tinderboxes, with wildfires posing a growing threat to homes and property.

These events can cause significant damage to property and can put people in danger. For renters, understanding the potential threats and ensuring adequate insurance coverage is key. In this article, we'll explore the importance of renters insurance, how it can – or can’t – help with common natural disasters in Texas, and how to check if you're adequately covered.

Why Renters Insurance is Necessary for Texas Residents

Renters insurance is necessary for Texans because it's your financial safety net when unexpected events strike. While a standard Goodcover renters insurance policy protects your personal belongings from many perils, it's important to understand what is and isn't typically covered:

  • What Goodcover Covers: Your standard Goodcover policy will typically cover damage to your belongings caused by fire (including wildfires), theft, vandalism, and some types of water damage like burst pipes – not floods. It also covers wind damage from tornadoes, meaning you don't need separate tornado insurance as a renter, as that's for homeowners who need to protect the structure of the building. Your policy also includes temporary housing coverage (aka loss of use) and liability protection.
A list of perils Goodcover renters insurance covers.
  • What It Doesn't Cover: Standard renters insurance policies, including those offered by Goodcover, typically exclude coverage for floods and earthquakes. In Texas, earthquake insurance isn't as common of a concern due to the lower risk compared to other states like California. However, if you're concerned about earthquakes, earthquake insurance is available from other insurance companies in Texas.

Why Supplemental Flood Coverage Matters

Given Texas's vulnerability to hurricanes and flooding, it's important for renters to consider additional coverage in the form of a flood insurance policy. Insurance can protect your belongings from flood damage caused by sources like overflowing rivers, heavy rains, and storm surges. Policies are typically available through the National Flood Insurance Program (NFIP) or private insurers.

What Does Renters Insurance Cover in Texas?

A Goodcover renters insurance policy offers a wide range of coverage options to protect you from the financial impact of covered losses:

  • Personal Property Coverage: If your belongings are damaged or destroyed by a covered peril (like fire, theft, or vandalism), Goodcover's Replacement Cost Value (RCV) coverage helps you replace them with new items, not just their depreciated value. This coverage is subject to your policy deductible.
  • Temporary Housing Coverage (aka Loss of Use): If a covered peril forces you out of your rental, Goodcover will help cover the cost of temporary housing and additional living expenses, like hotel stays and meals, while your home is being repaired.
  • Liability Protection: If someone is injured in your rental or you accidentally cause damage to someone else's property, liability coverage can protect you from legal and medical expenses.

Double Check Your Goodcover Coverage

  • Review Your Policy: Log into your Member Dashboard to review your policy details, deductibles, and coverage limits.
  • Assess Your Risks: Consider your specific location and the types of natural disasters most likely to occur in your area.
  • Talk to Us: The Goodcover team is always available to answer your questions and help you customize your coverage to fit your needs. Contact us!

Secure Your Texas Rental with Goodcover

Don't leave your Texas rental unprotected. Get a free quote from Goodcover and gain peace of mind in under a minute.


Note: This post is for informational purposes; insurance regulation and coverage specifics vary by location and person. Check your policy for exact coverage information.

For additional questions, 
reach out to us – we’re happy to help.

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