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Old 12-22-2008, 11:21 PM
 
279 posts, read 1,032,492 times
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Does anyone know how much apt insurance will be in the 77057 zip?
I'm looking at the Tuscany Apts close to Post Oak which are the nicest so far I've seen and they require you to get renters insurance. Is that a bad sign too when they require it?
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Old 12-23-2008, 10:51 AM
 
Location: Charleston Sc and Western NC
9,274 posts, read 23,348,643 times
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Mostly they require you to carry insurance so if YOU or your FRIENDS wreck the place, it's covered for repair. It also helps them from getting sued for liability. Always carry renters insurance, if not for a freakish break-in then for a freakish fire.

If it's the ones on lower Bering, you should be fine. It's a very quiet street if you don't leave your car in the street. I lived at 1116 for 3 years. You get Tanglewood Patrol cutting through there a lot to get the Western section.
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Old 12-23-2008, 01:01 PM
 
Location: Houston
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I paid 200 Dollars a year.
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Old 12-23-2008, 08:03 PM
 
Location: Central Texas
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I think the fact that they require it should be a goodsign and not a bad one. Having this coverage will protect you in the event of a lawsuit, replace your belonging in the event of a loss, and protect the apt complex. Its a win for everyone and is not costly.

You need to be sure that you get an "all risk" and "replacement cost" policy. FYI "named perils" or "all perils" is NOT an all risk policy. Don't get dooped into a policy that is not an "all risk" and "replacement cost" policy or you will be wasting your money.

There are several factors to the cost of renters insurance. Your claims experience, your insurance score, number of units in the building, and a handfull of other ones. Most of my clients pay between $175 and $325 depending on the amount of coverage they want (20K, 30K, 40K etc).
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