At Galloway Insurance, we know renter’s insurance inside and out. After decades of protecting Texas renters, we’ve seen every coverage gap, every claim denial, and every moment when good insurance made all the difference.
are valuable and you should shield them from a loss. Besides, renters insurance in most cases is extremely cheap.
Here’s what we know: Only 55% of renters have any insurance at all. That leaves 28 million households completely exposed.
But even those who think they’re covered often discover gaps at the worst possible moment.
We’ve built our practice around preventing these failures.
Understanding Your Unique Protection Needs
Every renter’s situation is different. The college student in Austin has different risks than the young professional in Dallas or the family renting in Marble Falls.
We take time to understand your specific circumstances. Are you renting a ground-floor apartment prone to flooding? Do you work from home with expensive equipment? Are you sharing space with roommates?
These details matter because they determine what coverage you actually need.
Most renters assume water damage coverage is comprehensive. It’s not. Standard policies cover sudden events like burst pipes but exclude flooding, sewer backups, and foundation seepage.
In Texas, this creates massive vulnerability. The state faces a $44 billion flood protection gap with only 7% of homes carrying flood insurance.
We assess your specific flood risk and recommend appropriate coverage before you need it.
Breaking Down Complex Coverage Into Clear Choices
Insurance policies are written in legal language that confuses most people. We translate complex terms into straightforward options.
Take replacement cost versus actual cash value. This difference can cost you thousands.
A kitchen fire destroys your belongings: five-year-old TV, six-year-old sectional, three-year-old laptop.
With Actual Cash Value coverage, the payout is $750.
With Replacement Cost coverage, the same items generate $4,500.
ACV policies pay 40% less because they factor in depreciation.
We explain these differences upfront, so you choose coverage that actually protects your financial stability.
Building Partnerships That Last
We don’t just sell policies and disappear. We build lasting relationships with our clients.
When life changes, we adjust your coverage. Moving to a new apartment? We update your policy. Bought expensive electronics? We ensure they’re properly protected. Started a home business? We add appropriate liability coverage.
Our clients trust us because we’ve earned it through consistent care and attention to their evolving needs.
This relationship approach transforms how claims are handled. When our Marble Falls clients faced storm damage to their duplex, we already knew their property history and coverage details. We documented the timeline, provided weather reports, and worked directly with adjusters.
Result: Full payout approved, less deductible, covering all damaged belongings and temporary housing costs.
Always Available When You Need Us Most
Disasters don’t happen during business hours. When your apartment floods at midnight or your belongings are stolen on the weekend, you need immediate help.
Our team provides real accessibility. When you call, you reach people who know your situation and can guide you through next steps.
We walk you through the claims process, help document damage properly, and stay in contact until everything is resolved.
This isn’t automated customer service. It’s personal attention from people who understand Texas risks and insurance requirements.
Investing in the Communities We Serve
Galloway Insurance is deeply rooted in Texas Hill Country communities. From Marble Falls to Burnet and Llano, we support local charities, sponsor high school sports teams, and invest in the businesses that make the Hill Country home.
This community investment creates tangible benefits for our clients.
We know which contractors respond quickly after storms. We understand neighborhood-specific risks like flooding patterns and property-specific vulnerabilities. We can connect you with trusted local resources when you need them most.
Our deep Hill Country roots mean we understand the unique challenges renters face in this region – from flash flooding in low-lying areas to the specific weather patterns that affect our communities. Local adjusters and contractors throughout the Hill Country know us, trust us, and work with us to resolve issues efficiently.
Protecting Your Stability, Not Just Your Stuff
Renter’s insurance isn’t about replacing a TV or couch. It’s about maintaining stability when life gets disrupted.
Strong coverage pays for temporary housing when your apartment becomes unlivable. It replaces belongings at full value. It covers liability when someone gets injured in your space.
Most importantly, it lets you rebuild without starting from financial zero.
The landlord’s insurance protects the building. Your policy protects your life inside it.
At Galloway Insurance, we ensure you have the right protection before you need it. Because when something goes wrong, you want experienced professionals who already know your story and have the local connections to make things right.
Our Promise: Integrity, Trust, and Commitment
At Galloway Insurance, our mission is to provide honest, reliable, and transparent insurance solutions that protect what matters most. Our commitment to integrity, trust, and customer satisfaction ensures that every client receives personalized attention and comprehensive coverage.
✔ Integrity – We believe in complete transparency and will always offer you honest advice about your coverage needs.
✔ Trust – Our clients rely on us for dependable, long-term insurance solutions that provide financial security.
✔ Commitment – We are dedicated to helping you find the best coverage options that align with your specific situation and risk exposure.
✔ Community – As a locally owned and operated agency, we actively support and invest in the communities we serve.
Frequently Asked Questions (FAQs)
Is renters insurance required by law in Texas?
No, Texas does not legally require renters to carry insurance. However, many landlords and property management companies require proof of renters insurance as a condition of the lease.
What does renters insurance cover?
Renters insurance typically includes personal property coverage (for your belongings), liability protection (if someone is injured in your rental), and loss of use coverage (to help with temporary housing if your unit is uninhabitable due to a covered event).
Does renters insurance cover flood or earthquake damage?
Standard renters insurance policies do not cover flood or earthquake damage. You’ll need to purchase separate coverage for those perils if needed.
Will renters insurance cover my belongings if they’re stolen from my car?
Yes! Most renters insurance policies cover theft of personal property even if the items were stolen from your car, as long as the event meets policy terms.
How much renters insurance coverage do I need?
It depends on the value of your belongings. We recommend creating an inventory of your items to estimate their replacement cost. One of our agents can help tailor your coverage to fit your needs.
Is renters insurance expensive?
Not at all. Renters insurance is one of the most affordable types of insurance, with policies often costing less than $20 per month, depending on your coverage level and location.
Can I add roommates to my renters insurance policy?
Some carriers allow roommates to be added, but it’s not always recommended. It’s often better for each roommate to carry their own policy to ensure clear ownership and claims protection.
Does renters insurance include liability coverage?
Yes. Liability coverage is typically included and protects you if someone is injured in your home or if you accidentally damage someone else’s property (like a neighbor’s unit).