Houston Apartment Renters Insurance - Claims Information

• Review your apartment renters insurance coverage before something happens. If you lost all your personal property by fire or hurricane the loss could add up to more than you think. Consider what it would cost to replace all your clothing, furniture, TV, computer, stereo, CD's, dishes, and miscellaneous items. Think about getting a little more coverage than you need today to be sure you have enough and to allow for new property being accumulated.
• Ask you agent about upgrades available. The "replacement cost" upgrade is especially important. If your jewelry and computer equipment is worth more than a couple hundred dollars it is advisable to upgrade your coverage on these items.
• Read your policy for coverage details. Our renter's package includes a variety of coverage's. There may be features that you are not aware of. As an example, most renters' policies have some coverage for personal property away from home.
• In the event of a claim it is best to have receipts for expensive items. You can also document your property by writing an inventory and/or taking pictures or making a video. If possible store an additional copy of your records at a different location such as a safe deposit box or at a relative's home.
• If you have a loss you should contact the claims department as soon as possible at 800-435-7764.
• Document your loss the best you can. If there is a theft it is advisable to make a police report. For damage it is helpful to take pictures or make a video of the damage.
• Where possible avoid permanent repairs to damage until inspected by your adjuster. If something like a smashed door must be repaired before the adjuster arrives you can consult with the claims department for documentation suggestions.