Many renters in Midland and Odessa assume the landlord’s insurance protects their belongings.

That’s one of the biggest misunderstandings we see.

A common question:

“If the building is insured, aren’t my things covered?”

Usually — no.

What Does a Landlord’s Policy Cover?

A landlord’s policy typically covers:

• The building structure
• Liability related to the property
• Possibly loss of rental income

It usually does not cover a tenant’s personal belongings.

What Renters Insurance Covers

Renters insurance may help protect:

• Furniture
• Electronics
• Clothing
• Personal items
• Temporary living expenses after a covered loss

FEMA consistently emphasizes that storms can displace families unexpectedly.

If a hailstorm damages your rental or wind breaks windows, your belongings can be affected.

We’ve seen renters surprised after storms when they realize their items weren’t covered.

Often it’s very affordable for the protection it provides.

Many policies cost less per month than a few takeout meals.

Sometimes landlords require it, sometimes not.

If your belongings are damaged by a covered peril, often yes.

Yes, many policies include personal liability.

Usually each renter needs their own.

Often same-day.

We help renters across Midland and Odessa understand coverage before storms hit — not after.

Need a quick renters quote?

???? Midland: 432-694-0508
???? Odessa: 432-332-6322
???? www.killebrewinsurance.com

Just honest guidance.