Fort Worth · Tarrant County · North Texas
Renters Insurance in Fort Worth, TX
Your landlord's policy doesn't cover your stuff. Renters insurance does — usually for less than $20 a month.
What is renters insurance?
If a fire, burst pipe, theft, or storm damages your apartment, your landlord's insurance covers the building — not your belongings. Renters insurance covers you.
It's one of the best-value insurance policies you can buy: personal property, liability, and a place to stay if you're temporarily displaced, often for the price of a couple of takeout meals per month.
What this covers
Coverage options for renters insurance
Every policy is built from a mix of the pieces below. We'll help you decide which you need — and which you don't.
Personal property
Your furniture, electronics, clothing, and belongings — covered against theft, fire, water damage, and more.
Personal liability
Protects you if a guest is injured in your rental or you accidentally damage someone else's property.
Loss of use
Pays for temporary housing, food, and expenses if your rental becomes unlivable after a covered loss.
Medical payments to others
Small medical bills for guests injured in your unit, regardless of fault.
Replacement cost coverage
We recommend replacement cost so a stolen 5-year-old laptop is replaced at today's price, not depreciated.
Scheduled items
Add extra coverage for high-value items like jewelry, cameras, or musical instruments.
Who it's for
Is renters insurance right for you?
A Fort Worth apartment renter whose landlord requires proof of a renters policy.
A young professional with a laptop, TV, and bike who wants belongings protected for under $20/month.
A parent helping a college student in Denton or Arlington cover their off-campus rental.
Anyone renting a home who wants liability coverage in case someone is hurt on the property.
Good to know
What renters insurance typically doesn't cover
No surprises at claim time. Here are the common exclusions and Texas-specific things to know before you buy.
- The building itself — that's the landlord's insurance, not yours.
- Flood damage is excluded from renters policies; a separate flood policy is needed.
- Damage caused by roommates who aren't named on your policy is generally not covered.
- High-value items like engagement rings often exceed sublimits — schedule them separately.
Optional add-ons
Endorsements to consider
Small additions that make a big difference at claim time. We'll walk through which ones are worth it for you.
Why independent
We shop multiple carriers so you don't have to.
Captive agents can only sell one company's product. As an independent-style agency, we compare renters insurance across trusted carriers, find the best fit for your situation, and stay your single point of contact for the life of the policy.
- Multiple carriers, one honest recommendation.
- One point of contact for quotes, changes, and claims.
- Local Fort Worth agency — licensed to serve all of Texas.
How it works
Three simple steps to real coverage
1. Request a quote
Fill out the short form or call. A few basics is all we need to get started.
2. We shop it
We compare renters insurance across multiple carriers and bring you the best options.
3. You choose
No pressure. Pick the coverage and price that fit — we handle the paperwork.
Why a local agent
A real person for your renters insurance — right here in Fort Worth.
North Star Insurance Group is a Fort Worth agency licensed to serve all of Texas — Tarrant, Dallas, Collin, Denton, Hunt, and Rockwall counties and every community statewide. We treat every policy like it belongs to a neighbor.
- We bundle renters with your auto policy for a bigger auto discount — the renters policy often pays for itself.
- You get a real person to call when your landlord asks for proof of coverage.
- We explain replacement cost vs. actual cash value so you don't get shortchanged at claim time.
- Quotes usually come back same-day.
FAQ
Common renters insurance questions
Ready for a real quote on renters insurance?
No pressure, no jargon. Fill out the form or call — you'll usually hear back within one business day.
North Star Insurance Group
5751 Kroger Dr, Suite 28019
Fort Worth, TX 76244
Monday–Friday, 8:30 AM – 5:30 PM · Saturday by appointment only
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Serving DFW and all of Texas.