GETTING A QUOTE IS SIMPLE, EFFICIENT, AND FREE
It makes sense to get a quote on Carrollton, Texas rental insurance today. It takes only seconds to fill out our confidential quote form, costs you absolutely nothing, and obligates you in no fashion to Texas Auto Home Insurance.
In just a short matter of time, we can provide you with detailed information on the coverage options you can choose from, and we can quote you an affordable rate to protect your personal belongings and peace of mind.
A GENUINE NECESSITY
It is important for people living in Carrollton to realize the genuine need for rental insurance. In spite of the affluence of the populace, crime still lurks here and can inflict particularly severe damage on those who have invested in the finer things of life.
Each year, over 3,300 property-related crimes occur in Carrollton, Texas. This is almost 4% of Carrollton’s total population. Rental insurance is the only way to indemnify your belongings against such mischief as burglary, theft, larceny, or arson if you are not the owner and the resident of a home covered by a homeowner’s insurance policy.
It bears pointing out that out of the 40,000+ houses in Carrollton, approximately 13,000 are rent houses. Houses often make for easier targets than apartments because they provide a higher number of access points to the home’s interior than do apartments and condominiums in close-quarter complexes.
Carrollton homeowners renting a house to an individual or a family can protect themselves with rental insurance that specifically indemnifies against third party lawsuits made by uninsured tenants who suffer loss from property crime.
This practice of “going after the owner” in court may be unfair, but tenants often attempt it, and any property owner without rental insurance in Carrollton is facing at the very least costly legal fees and possibly a judgment against him or her.
JUSTIFICATION OF INVESTMENT
Of course rental insurance was originally conceived to protect the financial value of tenant belongings, and it was designed by insurance carriers to be an affordable addition to monthly rent.
Many people in Carrollton may be putting off investing in rental insurance because they already feel they are paying a large amount of money per month in rent. While it is true that rent in Carrollton is higher than the state average, renters insurance in Carrollton is based not upon the amount of one’s rent, but instead upon the value of the contents ensured.
Almost without exception, the cost of rental insurance tends to be 10% or less the total value of all items covered under a standard All Risk Policy.
More expensive items can be covered under a secondary adjunct policy through a process called “scheduling”.
This process allows insurance agents to itemize the full value of expensive items such as fine furs, high-ticket electronics, family heirlooms, and jewelry.
This indemnifies the object if stolen at its full value regardless of the limits established on the primary All Risk policy.
DISCOUNTS AVAILABLE THROUGH TEXAS AUTO HOME INSURANCE
For house, condo, and apartment renters living on tight budgets in Carrollton, renters insurance discounts are available to individuals and families from all walks of life.
Young couples with a child who have a live-in babysitter at home during business hours can often qualify for a discount if the caretaker is 18 years of age or older.
Adding a self-installed burglar alarm to a rent house can often qualify Carrollton renters for insurance discounts.
Renting an apartment or home in any of Carrollton’s gated communities tends to qualify a dwelling for a higher security rating, which in turn can also generate a rental insurance discount.
Other premium discounts may apply to retired couples and college students based upon the types of contents insured. Call our office to speak with George White or a member of his staff to see which of these discounts can be applied to your coverage.
ADDED VALUE YOU MIGHT NOT HAVE CONSIDERED
The benefits Carrollton residents obtain from rental insurance go far beyond content indemnity.
In some cases, one’s furniture can be covered under clauses that insure one against water leaks, fires, and other calamities that strike neighboring units, but inadvertently affect multiple dwellings.
For Carrollton renters who plan to purchase a house some day, a good rental insurance history can often qualify first time home buyers for reduced rates on homeowners insurance.
Perhaps the greatest benefit a Carrollton rental insurance policy can offer you is protection from identity theft.
Thieves have become sophisticated in today’s world of crime, and no longer steal material items alone.
They often plunder personal files, wallets, and purses that are lying around the house to obtain credit card numbers and social security numbers.
Even a bill with your social security number on it can be enough for a criminal to steal your identity with.
Carrollton rental insurance can protect your credit against such an incident, adding protection not only for your belongings and finance, but your purchasing power and reputation.
OVER TWO DECADES OF EXCELLENCE SERVING ALL OF TEXAS
For almost three decades now, Texas Auto Home has combined affordable rates with the maximum possible coverages for our commercial and residential clients. We offer services to
Fort Worth, Texas;
Austin, Texas;
San Antonio, Texas;
Dallas, and
Houston, Texas and expand outward from these points into every
mid-sized city and small community of our Great State.
Every Carrollton rental insurance quote is risk free, obligation free, and completely confidential. We will absolutely never sell or distribute your information to anyone without a written request from you that asks us to refer you to another agency. There is nothing to lose.
Use our simple online form to get started right now, or call us toll free at
1-866-663-5262. 
