Renters Insurance
Whether you're a Texas Tech student in an apartment near campus, a young professional renting your first place, or settling into a rental home, renters insurance is one of the most affordable ways to protect what you own — often for just a few dollars a week. The Jonathan Shaw Agency helps Lubbock renters get covered quickly and easily. As an independent agency, we shop multiple carriers to find you solid protection at a great price, and we make it simple to understand exactly what you're getting.
What Renters Insurance Covers
A renters policy is built around a few key protections:
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Personal property — covers your belongings (electronics, furniture, clothing, and more) against things like fire, theft, vandalism, and certain water damage — even when you're away from home.
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Liability — protects you if someone is injured in your rental or you accidentally damage someone else's property.
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Additional living expenses — pays for a temporary place to stay and added costs if a covered event makes your rental unlivable.
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Medical payments — helps cover medical costs if a guest is injured at your place.
One important thing to know: your landlord's insurance only covers the building itself — not your belongings or your liability. That's what renters insurance is for. And like most policies, it doesn't cover flood or earthquake, which require separate coverage.
Frequently Asked Questions
How much does renters insurance cost in Lubbock?
Renters insurance is typically one of the most affordable policies you'll ever buy — often just a few dollars a week, depending on how much coverage you need. The easiest way to see your price is a quick, no-obligation quote, and we'll help you find the right amount of coverage without overpaying.
Does my landlord's insurance cover my stuff?
No. Your landlord's policy covers the building structure, not your personal belongings or your personal liability. If your apartment is burglarized or a fire damages your things, only your own renters policy would help replace them.
I'm a Texas Tech student — do I need my own renters insurance?
It depends. If you live in a dorm, your parents' homeowners policy may extend limited coverage to your belongings — but if you rent an apartment or house off campus, that coverage is often limited or doesn't apply. Many off-campus students get their own affordable renters policy for peace of mind. We're happy to help you figure out what makes sense for your situation.
Is renters insurance required in Texas?
Texas law doesn't require renters insurance, but many landlords and apartment complexes in Lubbock do require it as part of your lease. Even when it's optional, the low cost makes it well worth it for the protection it provides.
Does renters insurance cover my roommate?
Usually not automatically — a standard policy covers the named policyholder. Roommates typically each need their own policy, though some carriers allow adding a roommate. We can walk you through the best setup for your living situation.