Core coverage
Personal property (furniture, electronics, clothing), personal liability, medical payments to others, and additional living expenses if your rental becomes uninhabitable.
Renters Insurance · Carrollton & DFW
Renters Insurance tailored for North Texas.
Affordable protection for your belongings and liability as a tenant.
Independent agency
Renters Insurance
- 200+ A-rated carriers
- Plain-English comparisons
- Dedicated local advisor
- Annual renewal reviews
What it covers
Protection built for real driving situations.
Flexible limits
Limits and deductibles matched to your assets and budget—not a one-size template.
Local guidance
A dedicated Carrollton advisor who knows your file at renewal and claim time.
Why it matters
The right limits protect more than the policy name suggests.
A single fire, theft, or water leak can wipe out thousands in belongings your landlord's policy will never replace. For most tenants, full coverage costs less than $20/month.
Who needs it
Built for how you actually live and drive.
Who this fits
Anyone renting an apartment, house, condo, or room — and many landlords now require proof of renters insurance on the lease.
DFW households
Families and professionals across Carrollton, Richardson, Plano, and Dallas.
Growing needs
Coverage that scales when assets, staff, or properties change.
Switching carriers
We re-shop at renewal so you are not auto-renewed into a higher rate.
Common mistakes
Gaps we see on policies every week.
Avoid these before renewal—or before a claim teaches the lesson the hard way.
Assuming the landlord's policy covers your belongings, underestimating t
Assuming the landlord's policy covers your belongings, underestimating the value of your possessions, skipping replacement-cost coverage, and ignoring liability limits.
How we help
How Curtis Caster helps
We size your personal property limit to what you actually own, add liability that protects your savings, and bundle with auto so the renters policy often pays for itself in discounts.
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Discovery
30-min conversation: assets, goals, risk tolerance.
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Risk mapping
Document exposures across life, property, business, and liability.
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Structured options
Three carrier options compared on coverage, price, and limits.
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Annual reviews
Re-evaluated yearly and whenever your situation changes.
FAQ
Renters Insurance — questions we hear most.
Isn't my stuff covered by my landlord's insurance?
No. Your landlord insures the building structure only. Your personal belongings and liability are entirely your responsibility — that's what renters insurance covers.
How much does renters insurance cost?
Most Texas renters pay $12–$25 a month for solid coverage. Bundling with auto frequently offsets much of that through multi-policy discounts.
Does renters insurance cover my roommate?
Generally only people named on the policy. Roommates usually need their own policy — we'll explain the cleanest setup for your living situation.
Get started
Request your free renters insurance quote.
Most requests receive a response within one business day.
- No obligation
- No spam
- Licensed Texas advisors
Prefer to call? (214) 619-1700
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