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Texas Renters Insurance offers benefits many fail to consider until after an incident involving property theft brings loss and pain to their lives. As most local news stations tend to focus on more violent crime and often neglect reporting incidents of home and apartment invasion, most people don't even think that renters insurance in Texas is something they really need. Unfortunately, this is by no means the case. The sense of violation a home invasion produces psychologically traumatizes the mind, and the financial loss can be immense when one considers that a thief seems to always take what a renter values the most. Texas Home and Auto strives to educate clients in regards to the protection renters insurance in Texas offers against the common perils that affect their personal property.

Many Texans live with the assumption that certain cities are safer than others and offer de facto protection against property crime. This is a myth, and a dangerous one to live by. The city of Dallas, for example, has an outstanding reputation for clean air, beautiful architecture, and progressive technology. At face value, most people moving to Dallas would never consider investing in renters insurance, because Texas tends to brag a great deal on the high quality of life Dallas offers its residents.

The facts strongly point to a need for clarification. Dallas does have a great standard of living, however one should not by any means suppose this eliminates the dire importance of protecting his or her property against a substantial property crime risk.

In 2004 alone, almost 90,000 property crimes occurred, and of that number 75,000 involved thefts, burglaries, and larceny. Other crime statistics follow for other major Texas cities. They warrant careful consideration from anyone renting a home or apartment in these areas:

Houston- population 1,953,631
105,000 thefts, burglaries, and larcenies
5% of the population affected

Austin- population 656,562
30,000 thefts, burglaries, and larcenies
5% of the population affected

San Antonio- population 1,144,646
60,000 thefts, burglaries, and larcenies
5% of the population

We find it interesting that all the major cities in Texas had approximately 5% of their citizenry affected by property crime in 2004. Considering the vast differences in geography, economy, and demographics that distinguish these cities, we have to ask the obvious question: What do they have in common?

You guessed correctly: apartments and tenants of rental properties encompassing all social classes.

Based on this evidence, we believe that home and apartment renters are the most vulnerable to property crime and especially need the protection of Texas rental insurance.

Since most people don't consciously think of renters insurance in Texas when they invest in coverage, they are often mystified as to what Texas rental insurance actually is, what it covers, and how much it costs. Even if they do realize at some point in time they need it, they often don't know where to look and what questions to ask.

This is where working with the right agency can save you a lot of money by explaining the many different coverage options that may be available to you. For example a student with computers, manuals and other technology may need very different coverage than mature 'empty nester'.

Always look for an agency that will ask you as many detailed questions as possible in order to obtain for you the best possible discounts.

Texas renter insurance offers additional benefits beyond theft protection. It allows the insured to develop a history of maintaining property insurance before purchasing a home. When that person then becomes a homeowner, he or she may very well qualify for reduced rates on homeowners insurance. An even greater benefit, still somewhat new to Texas is that renters insurance offers protection against identity theft. All it takes is one credit card or one bill with a person's social security number to be stolen, and that person's credit and reputation can be traumatized for years to come. In a very real sense, Texas renter insurance offers the added value of protecting ones person as well as one's property.