Renters Insurance in League City, TX

Your landlord’s policy covers the building. It does not cover your TV, your laptop, your clothes or the bike in the garage. Renters insurance does, and in most cases it costs less than a streaming subscription each month. JP Guerrero Insurance writes renters policies for apartments, townhomes and rental houses across League City, Webster, Clear Lake and the Bay Area.

What renters insurance covers

• Your belongings: fire, theft, vandalism, some water damage, wind and hail.
• Liability: if a guest is hurt in your place or you accidentally damage the building.
• Loss of use: hotel or temporary housing if your unit becomes unlivable after a covered loss.
• Medical payments: small medical bills for guests, no lawsuit needed.

What it does not cover

Flood is not covered by a standard renters policy, and this area floods. Clear Creek and the bayous feeding Clear Lake have flooded apartments on the first floor more than once. A renters flood policy through the NFIP covers your contents. Ask us, especially if you live on a ground floor near Clear Lake, Nassau Bay or the Dickinson Bayou.

Why landlords and leases ask for it

Many Bay Area apartment communities require renters insurance with a liability limit, often $100,000, before you can move in. We send the certificate to your leasing office the same day.

Roommates, students and first apartments

Each adult on the lease should have their own policy. Students at San Jacinto College and UHCL who live off campus often need it too. We also help young families who are renting while they wait to build in Westover Park or buy in Friendswood.

Bundle it with your car

Renters plus auto with the same carrier usually gives a discount on both policies. Sometimes the discount on the car pays for the renters policy. See our auto insurance page.

Renters insurance FAQ

How much does renters insurance cost in League City?
It depends on how much stuff you own and your liability limit. Most policies are a small monthly amount; we quote it in minutes.

Does it cover my things in my car?
Usually yes, under personal property, with a deductible.

What about hurricane evacuation costs?
Loss of use helps if your unit is damaged by a covered cause. Evacuation alone is usually not covered.

Can I get it today?
Yes. Call or text (281) 724-9864 and we can bind the same day.