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Texas Insurance Blog

What is additional living expense for on a renter’s policy?

Additional living expense (ALE) coverage on a renter’s insurance policy gives you aid associated with increased costs that come with the temporary relocation of your residence while your rental dwelling is uninhabitable. 

A landlord’s insurance only covers the structure of your home or building, not the cost of replacing your personal belongings and temporary housing.  So, a standard renters insurance policy with ALE is an excellent protection for you and your family to get reimbursement for reasonably added expenses incurred for staying somewhere else.

ALE coverage can be a financial lifeline after a covered peril such as fire, smoke, explosion, the weight of snow, sleet, or ice, busted pipes, fallen objects, vandalism, or a windstorm.  At the same time, you get your life back on track. 

Items generally covered by ALE

So, which additional living expenses are typically covered?  Below is a list of extra costs ALE can help with:

  • Storage Fees.
  • Laundry
  • A hotel stay or temporary housing expenses.
  • Meal-related bills or restaurant expenses.
  • Parking and transportation.
  • Boarding your pet.

Remember that ALE may only reimburse for increased costs above what you typically pay for these expenses.  For instance, if rent is usually $1000 monthly, but your temporary housing is $1400, then you will be reimbursed the difference of $400.  That’s why it is wise to speak with a licensed insurance agent to get guidance on adequate coverage for you and your family.  Our agents at InsPeak Insurance in Arlington, TX can help.

ALE generally pays up to 20% of your renter’s content coverage in Texas.  For example, suppose you have $50,000 in renter’s coverage.  In that case, ALE generally will pay $10,000 per covered peril to help sustain you and your family after the unthinkable happens.  

What is excluded from ALE coverage?

ALE covers you in various situations, but here are some exclusions you need to know about:

  • Damage caused by terrorism or nuclear war.
  • The insurer states that your rental can be inhabited.
  • Damage caused by pests.
  • Damage caused by earthquakes or floods (unless you purchase separate renters coverage for flood and earthquake damage).
  • Mandatory evacuations (unless due to a fire).

Consult With Us

To know more about the additional living expense coverage on a renter’s insurance policy, contact your agents at InsPeak Insurance in Arlington, TX today!

Tips for Finding the Right Renters Insurance Policy for You

Renting a house or apartment entails numerous responsibilities. You must not only worry about paying your rent on time, but you must also ensure that your belongings are safe in the event of an accident. This is where renters insurance comes into play.

A good renters insurance policy can protect you financially in the event of a fire, theft, or other unforeseen disasters. But, with so many different policies to choose from, how do you know which one is best for you? InsPeak in Arlington, TX offers the following tips for finding the right renters’ insurance policy for you.

Tips For Renters Insurance

1. Determine What Coverage You Need

The first step in locating the best renters’ insurance policy is determining what coverage you require. Do you require property protection? Or do you simply require liability insurance in the event that someone is injured on your property? Once you’ve determined what kind of coverage you require, you can begin looking for policies that provide it.

2. Compare Policy Options

The next step is to compare policy options once you’ve determined what kind of coverage you require. Not all renters’ insurance policies are the same. Some policies may have higher deductibles than others, or they may exclude certain types of damages. Make sure to read the fine print of any policy you’re thinking about purchasing so you know exactly what you’re getting.

3. Consider Added Coverage

You may want to consider additional coverage in addition to the standard coverage included in most renters’ insurance policies. This could include coverage for high-value items or coverage for flood or earthquake damage.

4. Select a Reliable Insurer

Finally, when it comes time to choose a policy, make sure to go with a reputable and trustworthy insurer. This ensures that you have adequate coverage and that you can file a claim if something goes wrong.

Get Renters Insurance in Arlington, TX

InsPeak can assist you in locating the best renters’ insurance policy for your needs. We will work with you to determine your coverage requirements and compare policy options. To get started, contact us today.

Common Misconceptions About Renters Insurance

If you rent a home or apartment, you may never have thought about insurance. The truth is that it’s important to have coverage in the event of a disaster like fire, theft, vandalism, or water damage. Unfortunately, many people don’t have renters insurance because they have the wrong information. InsPeak Insurance in Arlington, TX is here to dispel some of the common misconceptions about renters insurance. 

Common Misconceptions About Renters Insurance

1. My Landlord’s Insurance Will Protect Me

Your landlord’s insurance will only cover the building itself, not your belongings. For example, in the event of a fire, your landlord’s insurance would pay to rebuild the structure, but your possessions would be lost unless you have renters insurance.

2. I Don’t Need Coverage If I Don’t Own a lot of Stuff

Even if you don’t own a lot of possessions, you could still lose everything in a disaster. A fire, for example, can spread quickly and destroy everything in its path. So, regardless of how much stuff you own, it’s important to have coverage.

3. Renters Insurance Is Too Expensive

The cost of renters insurance is typically very affordable, especially when you compare it to the cost of replacing your belongings. So, don’t let the cost keep you from getting coverage.

4. Renters Insurance Covers Everything

Renters insurance does not cover everything. For example, it does not cover damage caused by flooding. Be sure to read your policy carefully to make sure you are fully covered in the event of a disaster.

5. It Only Covers Personal Belongings

Renters insurance also covers liability coverage, which can help protect you in the event that someone is injured while on your property. Some also come with a loss of use coverage, which can help you pay for temporary housing if your home is damaged in a disaster.

Get Renters Insurance in Arlington, TX

Hopefully, this post has dispelled some of the common misconceptions about renters insurance. If you are still not convinced that you need coverage, be sure to speak with an InsPeak Insurance agent to find out how much it would cost you and what your policy would cover.

How Renters Insurance Covers Luxury Items

InsPeak helps Arlington, TX residents find coverage. We are committed to helping our clients find policies that align with their individual needs. We provide our clients with multiple options to ensure that they are covered in any situation. We recognize that searching for insurance can be a complicated process. That’s why we are here to assist you. 

How Renters Insurance Covers Luxury Terms

If you are staying in an Arlington, TX rental property, renters insurance is an asset. Renters insurance covers your personal belongings if they are damaged or stolen. Accidents can happen at any time. That’s why it’s important to have protection. Renters insurance covers you if your personal items are damaged in an accidental fire. Liability coverage is important. Liability coverage protects you if you invite a guest over, and they suffer an injury. You are also covered if you accidentally damage your neighbor’s property.

As you move in, it’s important to take inventory of your personal items. All of your clothes, electronics, and furniture hold value. Renters insurance covers you if those items are stolen and need to be replaced. However, things are more complicated if you have luxury items at your rental property. If you have expensive art, jewelry, and furs at your rental property, you will need extra coverage in order to fully cover those items. The South is known for having severe weather occur on a regular basis. If your rental property is damaged due to severe weather, your luxury items are not covered unless you have extra coverage.

InsPeak Will Help You Protect Your Belongings

Visit our website to learn more information about renters insurance.  

3 Common Risks For Renters

Renting your home comes with a lot of perks. You can let someone else worry about property insurance and taxes, as well as many major maintenance jobs. However, there are some risks involved with renting. At InsPeak we are all about educating our clients and future clients in Arlington, TX on their insurance needs. Let’s look at 3 common risks for renters. 


If you are a victim of a burglary in your rented home or apartment, you will be responsible to pay for any property of yours that is lost or damaged. The property insurance held by your landlord will not cover your personal belongings. 


During a fire, the renter’s personal property will not be replaced or reimbursed by the landlord. The only thing covered under the landlord’s property insurance will be the property that they own. 

Natural Disaster

During a natural disaster such as a tornado, earthquake, or hurricane, any of your personal belongings damaged or lost will not be covered by the landlord’s insurance. 

What Can Renter’s Do?

If you rent your home, you should consider renter’s insurance. This type of insurance policy will protect your personal belongings in the event there is a burglary, fire, or natural disaster. 

You can talk with an insurance representative to learn about how much renter insurance you will need. This amount is often based on the value of your personal belongings. The representative will be able to help you assess the value of your possessions in order to create the appropriate policy for you. 

If you would like to learn more about our services, or if you are interested in renter’s insurance products, please contact us at InsPeak serving Arlington, TX and the surrounding areas. 

5 Things To Know Before Saying No To Renters Insurance

One of the first things a new home buyer gets is insurance. Yet, when someone rents, it is often an expense that is pushed down the list of priorities. According to renter insurance statistics, only about 37% of renters have renter insurance including those in Arlington, TX.

What happens if your apartment catches fire or the sewer backs up and damages everything? The landlord is not going to be responsible for replacing your items. To go without renters insurance is taking a huge risk.

Before you fall into taking a chance with no insurance coverage, here are 5 things the experts at InsPeak want you to know before saying no to renters insurance.

  1. One of the most important parts of renter insurance is that it covers what your landlord’s insurance doesn’t, like damage to your personal property.
  2. You own more than you realize, and it’s worth more than most can afford to replace. Many people don’t realize how much their things are worth. It’s as if they are looking at what they own and calculating what these items would fetch at a garage sale. The truth is that your items are not like a car that depreciates in value the second you drive it off of the lot. Renters insurance looks at how much it would cost to replace these items, not what they are worth at a resale shop.
  3. Renter Insurance is more affordable than you think.
  4. Renter Insurance Also covers a guest getting injured on your property.
  5. It also may even reimburse you for food costs or temporary housing if your apartment is uninhabitable for a while.

Call InsPeak serving Arlington, TX today to discuss your renter insurance questions. It will probably take no more than 15 minutes of your time but could save you a bundle.

Why do I need renters insurance

When you are a renter, you may wonder why you need renters insurance. It is surprising how many renters think landlords have insurance that covers their home and all their possessions. Your landlord undoubtedly has insurance, but it is to protect their building, not anything that belongs to you. At InsPeak in Arlington, TX, we are dedicated to providing our customers the best possible insurance experience. 

You may need to have renters insurance because you may be required to have it by your landlord or management company. The reality is having renters insurance is a good thing, and you should not feel it is a bad thing to be forced to get it. It is reasonably priced and offers some very valuable protection. 

Contents coverage

Whether you are renting a one-room apartment or a 10 room house, chances are you have a lot more possessions than you realize. In the event of some peril striking your rental, the potential is there for you to lose everything you own. Try to imagine having to replace all of your clothing, furniture, dishes, appliances, and electronics. And having to pay for all of it yourself. It is a pretty scary prospect. If you have renters insurance, you will replace your things and get on with your life. 

Where will you stay

If your rental were damaged or destroyed, you would not have anywhere to stay. If you have rental insurance, you will be able to stay in a hotel in the immediate time after a covered peril, and then if it will be a while until you can move back in, a temporary rental can be found. 

Liability insurance

Anyone can get sued, and if you do, this insurance will help you pay legal fees and a judgment against you. 

Contact InsPeak in Arlington, TX for all your rental insurance needs. 

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