Why should I have renters insurance

Arlington, TX is part of the metro Dallas-Fort Worth area. It is a great place to rent with many college students and lovers of the Dallas Cowboys, whose home field is in Arlington. As one of the fastest-growing towns in the area, it has a lot of appeal to new residents. At Rickey McGill Insurance Agency in Arlington, TX, we are here to help you navigate all the insurance questions you may have as you look for your renter’s insurance. 

As a renter, you may assume your landlord’s insurance covers you. This is not the truth. Landlords’ insurance protects their property but not yours. If your apartment is damaged, you will be responsible for replacing all of your possessions yourself. Not a pleasant thought unless you are wealthy. Renters insurance offers several different types of coverage that are well worth paying for. 

Contents and Property

Things happen. It could even be that you are not responsible. For instance, if your neighbor has a fire, it could damage your unit as well as theirs. Even if the fire doesn’t reach your apartment, you could have smoke damage. If you have renters insurance, you will be able to replace any of your property damaged by a covered peril. Imagine losing all your clothes, your electronics, and furniture. 


Liability coverage protects you if someone is injured in your rental or by you or a member of your family. Getting sued can be very expensive, and this insurance will help. 

Loss of use

If your rental is so damaged that you can’t live there, finding a place to stay is important, especially after having sustained a loss. This insurance will pay for a hotel and then a short term rental until you can move back home. 

At Rickey McGill Insurance Agency in Arlington, TX, we know that our customers are our greatest asset, and we want to make sure that your insurance experience is enjoyable. Give us a call or stop at our office for a no-obligation quote.