Renters Insurance in Wichita Falls, TX
Why Renters Insurance Matters in Wichita Falls
If you’re renting an apartment, duplex, or home in Wichita Falls, your landlord’s insurance only covers the building — not your personal belongings. Renters insurance ensures that if fire, theft, or a storm damages your property, you’re protected. It also provides liability coverage if someone is injured in your rental.
At Montoya Insurance Group, LLC, we make renters insurance simple and affordable so you can enjoy peace of mind in your home.
What Our Renters Insurance Covers
With Montoya Insurance Group, LLC, you can choose protection for:
- Personal Property – Coverage for furniture, electronics, clothing, and valuables.
- Liability Protection – Protects you if someone is injured in your rental.
- Loss of Use Coverage – Pays for hotel stays or rentals if your apartment is unlivable after a covered event.
- Medical Payments – Helps with medical costs if a guest is injured.
- Damage to Others’ Property – Covers accidental damage you cause to another person’s belongings.
- Additional Living Expenses
– Helps with meals, transportation, and other costs if you’re displaced from your rental.
Common Add-Ons & Options
We can help Wichita Falls renters customize policies with:
- Coverage for jewelry, electronics, and high-value items.
- Water damage and sewer backup protection.
- Identity theft protection.
Who Needs Renters Insurance in Wichita Falls?
Renters insurance is a smart choice for:
- Students – Attending Midwestern State University.
- Young Professionals – Renting apartments or condos in the city.
- Families – Leasing single-family homes or duplexes.
- Military Members – Stationed at Sheppard Air Force Base and living off-base.
Local Risks to Consider
Wichita Falls renters face unique risks:
- Severe Weather – Tornadoes, hailstorms, and flooding.
- Theft – Apartment complexes and rental homes are common targets for burglary.
- Unexpected Events – Fire or water damage can make rentals uninhabitable.
FAQs – Renters Insurance in Wichita Falls
Is renters insurance required in Wichita Falls?
While not required by Texas law, many landlords and complexes require renters insurance before you sign a lease.
How much does renters insurance cost?
Renters insurance in Wichita Falls is typically very affordable, often less than a dollar a day.
Does renters insurance cover flooding?
Standard policies don’t cover floods, but we can add options to protect against water damage.
Can I bundle renters insurance with auto insurance?
Yes. Bundling your renters and auto policies can save you money.
Do you offer bilingual support?
Yes. Montoya Insurance Group, LLC provides guidance in both English and Vietnamese.
Protect What Matters Most
Get the Right Renters Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we know your rental is more than just a place to live — it’s your home. Our team will help you find renters insurance that fits your lifestyle, budget, and peace of mind.