Renter’s Insurance

What is Renters Insurance?

Renters insurance is a type of policy that protects tenants from a variety of instances common when renting apartments or other temporary properties. Usually priced quite competitively, this type of insurance is ideally suited for anyone renting their home but wishing for peace of mind if disaster should strike.

Home + Vehicles

Life + Income

Business

Toys

Renter’s insurance works well for the types of incidents most likely to be encountered in rental situations. Theft of a dwelling’s contents is covered, though often with the exception of treasured valuables such as jewelry and collectibles. It also covers damage from events like burst pipes or fires.

Some qualities of renter’s insurance are unique to renting. For instance, liability coverage will protect renters from damage for which the landlord holds them accountable. Actual Cash Value coverage is cheaper but only covers appliances’ original value minus depreciation, while Full Replacement coverage replaces damaged property with new items of similar quality.

Renter’s insurance will not cover damage caused by natural disasters, so other policies are necessary if the unit is in areas of high flood or tornado risk.

One benefit of renting is that tenants are not responsible for maintaining the property on which they live. This is also a drawback since it subjects renters to risks that landlords aren’t liable for. For instance, landlords aren’t responsible for water damage caused by a burst pipe. Since it is not the tenant’s burden to maintain the pipes, a renter without insurance is left in the unenviable position of paying for a problem they did not create.

Renters insurance will not cover instances of neglect known to both the tenant and the landlord, however. Hence, it is essential for tenants to report dangerous conditions and to retain the proof of having done so.

Renter’s insurance is a bargain. For a few dollars per month, tenants are insured against various disasters that the landlord-tenant relationship makes avoiding difficult or impossible. Any tenant owes it to their safety and peace of mind to invest in a quality renter’s insurance policy.

BIG Revelations from

other customers

Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
Mark Mayberry
They have been our insurance go to for over 20 years!!!!! Everyone is so helpful!!
Tom Selleck
Tom Selleck
We have always been treated as valued customers and they have always found us great rates. They are very helpful in finding out the best solutions to meet your needs.
Ben Harris
Ben Harris
I have been doing business with Independent Insurance Counselors for many years. I have my home and car insurance through them. They are very efficient and thorough and I would not think of having any other company handle my insurance affairs. They have always done a great job for me.
Debra Fischer
Debra Fischer
I have been a happy customer of Independent Insurance Counselors for years now and the staff must certainly be hand picked for knowledge, courtesy, friendliness and among many other fine qualities, their eagerness to stay on top of making sure their customers always have the lowest rates. I have always been that person who feels a bit of resentment paying for a service you never use or hope you never need but with Independent I always feel like my money’s going a long way.
Sherma T
Sherma T
Always great service with a smile.
donald taylor
donald taylor
I've been with Independent Insurance for many, many years and I'd never want to go with any other company. They're unfailingly courteous, professional and friendly. Their customer service is fantastic!
Michelle Smith
Michelle Smith
saved me a lot of money and great service
nancy ferverda
nancy ferverda
Many markets to choose from. The staff is knowledgeable and looks out for your best interests. Quick response time. Reviews my policy at renewal time and informs me of other options that will save me money!
Amber Stavinoha
Amber Stavinoha
Went to Independent Ins. Counselors after being with my Ins.co. for 40 yrs.. they changed hands and my premiums went off the charts. They would not work with me. The counselor Rhonna at Independence worked so hard and saved me somewhere around $1,000 a year between my home owners and car policies. Thank you guys.
Gladys Dekenipp
Gladys Dekenipp
Very friendly, knowledgeable and helpful. They explained the different coverages to us and then shopped the numerous companies they represent to find us the best deal to meet our needs. We are very satisfied with the service Independent Insurance Counselors provides. They handle our home, auto and life insurance.
Karen Duston
Karen Duston
Ownership of Agency has been same family and staff for many years with complete regard for their insured clients. One of the last complete, full service, independent insurance agencies still in our area.
J. R. Dick Tyson
J. R. Dick Tyson
Bundled all my insurance needs. Excellent service and support with fair pricing.
mike clawson
mike clawson
ALWAY BEEN THERE FOR US.
TERYXNRA
TERYXNRA
When I call and talk to Becky I get great service. I've been talking with her for years. Dedicated %1000.
Anna Ernst
Anna Ernst
Got us the coverage we needed.
David Boren
David Boren
I was really impressed with how detailed Mike was going over each option individually. When evaluating car insurance in the past, there was no good way to know how different choices affect the premium you pay, but Mike went through methodically and made sure I had the best coverage for the money. I got better coverage for the things I needed (and removed stuff I didn't need) and saved a lot of money.
Bobby Guy
Bobby Guy
I had an excellent experience with Independent Insurance Counselors. I am new to Texas and needed to revise my auto insurance to comply with Texas. Rhonna Benbrook was very friendly, professional, and helpful in getting everything taken care of. Thank you Rhonna & Independent Insurance Counselors.
Frances Huff
Frances Huff
Mike Lansford recently helped us with Medicare Part B and D supplemental insurances. In fact, all of our insurance is through Independent Insurance Counselors. Mike and his staff have always been of great help, and, we have been with them for many years. You cannot go wrong in getting them to assist you with any of your insurance needs.
patti369
patti369
Mike is a super guy who has been taking care of businesses in the Alvin area for years. I can assure you him and his team will always be there for your insurance needs.
Scott Talley
Scott Talley
Hometown business. Friendly staff
Patrick Butler
Patrick Butler
Friendly staff
Mitchell Craven
Mitchell Craven
Fantastic Service, Fantastic Staff! Thank you Independent Insurance Counselors for taking such great care of The Memory Quilt Company!
Tiffany Verot
Tiffany Verot
Great Customer Service!! Highly recommend Mike and his staff. Amber found me a better policy for less money. Win Win!!
Dana Akins
Dana Akins
I have my insurance , with independent insurance agency for many years, greatservices , friendly atmosphere, I recommend!
Mary Baker
Mary Baker
Mike and his staff are very welcoming and knowledgeable of the insurance business. We have worked with Bette for many years, personal and business insurance, and she always keeps up with our policies and makes sure our coverage is renewed on time and always send quotes for better pricing each new year. They have a great team and I highly recommend Independent Insurance Counselors.
Lisa E
Lisa E
If I could give 10 stars I would. These are the best people I have ever done business with. They have been taking care of my insurance needs for about 20 years and after Harvy they cane through 110 percent.
James Bailey
James Bailey
I moved from Houston, TX to Alvin, TX. I bought a new modular home and had it set within the city limit. The insurance agent, whom I used for several years before, didn't know what to do to get insurance for a modular home. I contacted Insurance Counselors for help. They knew what to do right from the beginning. In the end I got home owner insurance and flood insurance through Independent Counselors. Since then, I have visited the office on several occasions for other help. Always, everyone has been helpful and courteous. Highly recommended; a 5-Star service.
Prasert Sananikone
Prasert Sananikone
Good job ! Good people ! Good man !
Alvin Pool
Alvin Pool
I highly recommend this business to anyone looking for a committed staff that will work to find you the coverage you need at a price that satisfies your budget. The staff is friendly, efficient, and professional. You can rest assured that you'll leave there knowing your coverage is sufficient and the staff is always ready to answer any questions that you may have at a later date. Go talk to them.
Jimmy Ray
Jimmy Ray
Highly recommend Independent Insurance Counselors. They always go above and beyond to get us the best deal on insurance. Always friendly and always there when you have a question or a problem.
Arin Perry
Arin Perry
Mike and his Team are great. They will find you the best deal on insurance and make sure you have the best plan in place in case you ever need it. The staff is friendly and Mike always has an open door policy for you to come in and ask questions! They will be my Agent for life!
Kevin Duke
Kevin Duke
Mariana was so helpful to lead us through the confusion of finding the best insurance for us to protect our home. Not only did she find us the best benefits, but she also led us to the best rates available for us. She cheerfully answered our many questions and explained what we didn't understand. We are so grateful we walked into the office that day and will certainly return when the need arises. Thank you, Mariana and Independent Insurance Counselors for your excellent service.
A Google User
A Google User
Knowledgeable. And very easy to work with. No complaints from me.
Robert Fleming
Robert Fleming
Mike looked at our insurance costs and saved us a substantial amount of money by changing both our home and auto insurance.I was impressed with his knowledge and have been using his suggestions for some time now.I have recommended his services to several friends and will continue to do so.
Jim Fussell
Jim Fussell
They have always been good to me and made things so easy for me looking for other companies that are cheaper and comparing prices for me so I don't have to. Gray company that I can always depend on
Virginia King
Virginia King

(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511